vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Employers : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$520.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
There are inaccurate late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a late payment, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this represents a cancellation of debt and not an outstanding obligation, it should not be classified as a late payments. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. XXXX  has reported there is no active mortgage for Regions Bank. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.

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 2024-11-19 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: SC

Complaint narrative:
Please block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. In compliance with USC 1681g, I request their removal within 15 days. Attached are the relevant documents for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

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 2 out of 3 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. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: MA

Complaint narrative:
Somebody associated their email with my account and opened up an Experian bank account in my name. I had to fax them a picture of my card with my address leaving me incredibly exposed - never a good idea to fax a picture of your social security card. And yet my account remains open in somebody else 's name. This is a crazy system. This should have been resolved months ago. 

To make mattesr worse, I did not have a copy of my SS card so the process just dragged on. I first contacted Experian on XX/XX/year> and faxed the information they requested ( after receiving a new SS card ) on 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 2024-11-19 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: MS

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-11-19 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: MS

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-11-19 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: MA

Complaint narrative:
According to the Electronic Communications and Transactions Act ( ECTA ) 25 of 2002, Chapter VII, Section 42, consumers have the right to accurate and reliable systems when transacting online. The failure of your system to correctly process my payment constitutes a breach of this act. 

According to the Consumer Protection Act 68 of 2008, Section 54, consumers are entitled to receive services of a high quality. The failure of your system to accurately process my payment constitutes a violation of this Act. 

never got a response never got a call back I have grown tired and wearry on the sitituation

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 2024-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Resurgent Capital Services capital keeps calling me and they reached out to my family telling them that its a civil case against me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
There was an illegal transaction done for {$400.00} done in XX/XX/year>. Navy Federal did a temporary credit until investigation was completed in 10 days. After few days they returned the credit and was again withdrawn from my account. Upon asking why, they stated we dont know you can file an appeal for this. Appeal was filed on XX/XX/year> and the bank refuses to update me or return my money. All the say is pending. And when ask for a time frame for completion they stated they dont have a time frame all I have to do is wait. Can take weeks, months or years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My insurance company sent a check to me on XX/XX/year> with both my husband 's name and mine listed. Signed off and deposited into my checking account with no problem. 
Yesterday, XX/XX/year>, I deposited a refund check from XXXX, into my checking account with both our names listed and check was accepted. I tried to deposit the final check from XXXX XXXX, another two party check, into my savings account and it was rejected. Tried depositing into the ATM and it would not accept. 
Called customer service and they advised that they are not to accept checks with two names listed, if being deposited into account with only 1 name listed. Advised that i had been depositing with no issues, up to the day prior. Asked for disclosures stating this be sent to my email. They declined but said they had a right to refuse my deposit, if it were being disputed. Advised not in dispute. I am depositing so I can pay contractors for my claim. Checked disclosures as directed, and there is nothing there that states I can not deposit a check with two names listed, into my account i.e an account with only my name listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After being informed by XXXX XXXX I have an account at XXXX XXXX  I immediately known it has to be illegal XXXX XXXX  XXXX  scam artist fake XXXX  XXXX XXXX fake SSN numbers XXXX and XXXX on your records and over 30 mortgage loans. He also used fake job titles XXXXXXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX in XXXX. I reported to both and he got fired and under investigation as XXXX and cashed XXXX XXXX  escrow account checks in my name and reported as XXXX with XXXX. XXXX XXXX XXXX. Just discovered claim numbers XXXX, XXXX, XXXX, XXXX and XXXX. Ownership evidence to property XXXX XXXX XXXX XXXX XXXX XXXXXXXX are XXXX  confirmation numbers XXXX and XXXX. XXXX XXXX XXXXXXXX and after CFPB # XXXX XXXX XXXX XXXX XXXX  has announced this is fraud. XXXX XXXX  and XXXX XXXX  has this fraudulent information on record connected to my 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 2024-11-19 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: LEXISNEXIS
State: MI

Complaint narrative:
After being informed by early warning I have an account at XXXX XXXX I immediately known it has to be illegal XXXX immigrant mortgage scam XXXX fake doctor XXXX XXXX fake SSN numbers XXXX and XXXX on your records and over XXXX mortgage loans. He also used fake job titles XXXX. Computer professor XXXX college. XXXX. Fake doctor XXXX in XXXX. I reported to both and he got fired and under investigation as XXXX and cashed XXXX chase escrow account checks in my name and reported as XXXX with det. XXXX XXXX XXXX. Just discovered claim numbers XXXX, XXXX, XXXX, XXXX and XXXX. Ownership evidence to property XXXX XXXX XXXX XXXX MI XXXX are chase confirmation numbers XXXX and XXXX. Ny XXXX XXXX and after CFPB # XXXXXXXX XXXX XXXX XXXX XXXX  has announced this is fraud. XXXX XXXX and XXXX XXXX  has this fraudulent information on record connected to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have been charged nearly 29 % interest when the i should only be paying 6 % as an XXXX XXXX XXXX XXXX in Louisiana.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: IN

Complaint narrative:
A loan was taken out on XX/XX/year> in the amount of {$1100.00}. I have contacted the company in order to revoke XXXX authorization on XX/XX/year>, which was acknowledged via telephone and email confirmation. However, I have received communication that my account is now going to be placed into collection efforts because my ACH authorization has been revoked, which I could revoke based on the lease agreement. Unfortunately, it has come to my attention, that South Branch Lending is an illegal payday lender and is not licensed in my state, IN. They claim to be tribal lenders, but upon further investigation, they have been operating illegally under the tribal name that they claim, and this has been brought to a court 's attention previously. They claim to be a part of the XXXXXXXX XXXX XXXXXXXX, XXXX, which has been known for their rent-a-tribe schemes and illegal payday lending with usurious APR. Their APR for the loan that was taken out is completely illegal in Indiana, which they were aware of as it is stated on the loan application. Ultimately, this loan is null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
Rubin & Rothman , LLC, contact ( XXXX ) XXXX. Served a judgement to my bank, stated they had previously served me in a jurisdiction where I no longer reside past the statute of limitations of a supposed debt that was in my name, which I was not made aware of until receiving a hold on my bank account ( which bank did not even verify discrepancies of address indicated on judgment/hold not being within jurisdiction of current residence. Additionally, did not receive any indications of request for debt verification, civil action filed, judgement, or further information requested, as requested.

Statute of limitations of debt was past amount of time to collect on said debt, as well as account indicated as closed on credit report. Despite this, false documentation indicating aging of account was noted without a payment submitted, likely to proceed in civil litigation. Currently submitted complaints to all credit reporting agencies and am proceeding with taking legal action in response to failure of proper service, lack of receiving complaint and notice of suit, suit being filed post statute of limitations of debt, and current violations of FTC protocols, FCRPA, and violation of NY CCFA provisions.

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: TX

Complaint narrative:
A substantial amount of {$3600.00} vanished from my Chime account over six months ago, and despite my diligent efforts, the issue remains unresolved. I have cooperated fully with the banks requests to address this matter, but my funds have yet to be reinstated. Furthermore, another company has disclosed a data breach impacting millions, and I have submitted relevant documentation, including a police report, company letter, and personal statement. However, law enforcement cited the claims magnitude and data breach nature as limitations to their assistance, redirecting me to Chime and the merchant. This marks the second security breach of my Chime account, linked to Claim ID : XXXX, previously approved. The disparity in claim resolution is troubling. As a XXXX  XXXX  and XXXX veteran, relinquishing over {$3000.00} is unacceptable. The suspicious transactions appear international, yet Ive been denied merchant information and contact details despite repeated requests. Throughout multiple rebuttals, Ive received vague denials lacking clear explanations, and my requests for managerial intervention and provisional credit have been ignored. Chimes inaction has caused considerable hardship, forcing me to secure a high-interest loan to avoid homelessness. A comprehensive explanation from a manager is overdue. I was promised this issue would be resolved by XX/XX/year>. The lack of follow-up and resolution is disappointing and has caused me inconvenience.

I would like to emphasize the importance of this matter to me and kindly request immediate attention to this issue. If there are any further details required to expedite this process, please let me know, and I will be happy to provide them.

I appreciate your prompt attention to this matter and look forward to your swift response. If I do not receive a resolution by [ insert a reasonable deadline, e.g., one week from the date of this letter ], I may have to consider other avenues to address my concern. 

XXXX XXXX.

Company response to consumer: Closed with non-monetary relief