vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: FL

Complaint narrative:
I recently found that there are several inaccurate items on my credit report that dont belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report within the next 30 days, I will be forced to contact a consumers rights attorney with the CFPB, sue, as well as write a report with the XXXX. I have documented all correspondence with your company. Please remove these inaccurate items immediately, as you know they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This is not a valid debt. I told the company this and they refuse to remove the account from my credit yet the original creditor deleted it as this is not my debt. Legally they had 30 days to respond with a signed application showing it was opened and all statements showing debt. they did not provide this and continue to ignore the disputes by credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Specialized Loan Services ( SLS ) has been using multiple tactics in an attempt to steal my home. Let me explain.. When I provided proof & documents showing that funds I paid in excess of over {$10000.00} were never applied to my account, I was disregarded and passed from Agent to Agent. This issue was never resolved, so after multiple attempts, it seems I have been robbed of my funds with no accountability from my Mortgage holder. 
In 2023, XXXX of XXXX, provided funds to clear my past due balance and provided me with a few months of payments going forward. SLS stole those funds. They took the money and would not apply it to my mortgage. It was not until I reported the theft to XXXX XXXX XXXX that the money was then applied to my account. That incident was in XXXX, XXXX. 
SLS is purposely misreporting the late months on my credit report.

SLS tricked me by changing my MIR from 3.5 to over 7 %. I had the same interest rate for over 23 years. SLS, never mentioned once that they changed my interest rate, i just found out in XXXX of XXXX. In XX/XX/, SLS marked my home with a Vacant sticker, all while communicating with me once a week and assigning me to a person named XXXX. SLS, hired a 3rd party company to post a notice on my door all while I'm living here! This was an attempt to humiliate and embarrass me among my neighbors, family & any visitors. Another attempt to Bully me out of my home. I reported the Vacant Sticker issue to FHA and per usual, SLS lied & denied but I had my proof. My glass door is also permanently damaged from whatever agent was used to seal it to my door. I have requested for my Lender to replace my door but that has not happened either. SLS, every month, for as long as they have had my loan, has charged me a {$20.00} field service fee to my account. 
I am currently in the XXXX  program and SLS will be issued a check for my past due balance. SLS is very aware that I am in the program and of the process time that it takes. SLS, put me into foreclosure a few days ago, in an attempt to garner more money from the program through fees. SLS has over 8,000 complaints against them. I honestly do not understand how this predatory company is still able to practice and has not been stopped. Everytime I let them know that I am going to report them. I am thrust into or threatened with foreclosure. My Lender has even shamed me for getting additional assistance, The more I complain. The more SLS retaliates against me.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am requesting all billing statements from the time the account was opened until it was closed for a home depot card that was recently closed by Citi around XXXX XXXX and a letter explaining why and when the account was closed.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX XXXXXXXX XXXX XXXX  Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, 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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX  Dear Experian, I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 Account Number : XXXX  Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXXXXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, 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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received an email from a credit monitoring service that a XXXX  inquiry was blocked, because my credit report is frozen. " If this doesn't look familiar, it could mean someone tried to open an account in your name. '' When I reviewed my credit report, I didn't see any negative activity, so I contacted the credit monitoring company and spoke with a XXXX who told me that there was nothing that was reported about a hard inquiry and provided me the number to the credit bureaus to discuss it with them. I had the freezes already placed on my credit reports with XXXX  XXXX  services. I am an existing customer with the company in question, so I checked my account and nothing had changed there. The next day I received an email from the company in question to call them about my credit application. Because of the time, I wait to speak to someone the next day to tell them I did not submit a credit application. I was told that a fraud alert who be sent out on my behalf with there apologies and offering to pay any costs associated with this error. I checked my credit report over the phone and I received a message that a fraud alert was on the account. Today I received another emailed from the company in question stating they posted a new notice or letter in my account and encouraged me to read the XXXX page letter in its entirety. I tried to call the company in question to get more information, but they are closed. I am being directed to take action to protect my personal information : contact the FTC for advice, add XXXX  and XXXX alerts with the XXXX credit bureaus, notify all of my banks and financial companies, review my credit reports carefully, file a police report, report any issues with my mail, and close any fraudulently opened or changed accounts. In order for me to get the details from the fake application I have to send in proof of identity and FTC report numbers and Theft XXXX and XXXX XXXX from the company in question. This request must be mailed in writing. Questions asking me how was my identity XXXX  ; that is a mystery to me and I XXXX curious to find out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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 2024-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am requesting the name, address, phone number, fax and email for the custodian of records who maintains records for the credit card accounts financed by Comenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: MO

Complaint narrative:
Despite my previous 5 written requests, the unauthorized inquiries listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 5 dispute letters that they have verified that the unauthorized inquiries listed are accurate but they failed to send me copies of the documents that they used to verify these unauthorized inquiries as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the unauthorized inquiries is evidence that they can not and did not verify any of the unauthorized inquiries like they said they did. Their failure to delete the unauthorized inquiries that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Despite my previous 5 written requests, the unauthorized inquiries listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 5 dispute letters that they have verified that the unauthorized inquiries listed are accurate but they failed to send me copies of the documents that they used to verify these unauthorized inquiries as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the unauthorized inquiries is evidence that they can not and did not verify any of the unauthorized inquiries like they said they did. Their failure to delete the unauthorized inquiries that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.

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 2024-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
I am writing this complaint to bring to your attention the violations committed by United Auto Credit and XXXX XXXX in regards to my retail installment contract. The issue at hand is related to the determination of finance charge, which was not included in my contract as required by 15 U.S. Code 1605. 

On XX/XX/2023, I signed a retail installment contract with XXXX XXXX for the purchase of a vehicle. The contract stated that the amount financed was {$6000.00}, but the finance charge was not included in the contract. According to 15 U.S. Code 1605, the finance charge should have been disclosed to me before entering into the contract. However, neither United Auto Credit nor XXXX XXXX informed me of this crucial information. 

Furthermore, I was charged an illegal down payment of {$4000.00}, which is also in violation of 15 U.S. Code 1662 - Advertising of down payments and installments. As the creditor, I was never informed of my rights or the terms of the contract, which were both illegally charged to me without my knowledge or consent.

I urge you to take appropriate action against United Auto Credit and XXXX XXXX for their blatant disregard of consumer protection laws. These actions are unacceptable and can lead to serious financial consequences for innocent consumers like myself. I request a thorough investigation into these matters and demand that the necessary steps be taken to rectify this situation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
A check for {$13000.00} was deposited into my business account on XX/XX/XXXX at XXXX. The check was issued by one of my galleries, a long standing account of mine who through the years has written checks of like amounts, providing solid payment history. 

Today is XX/XX/XXXX and as of XXXX the funds are still not available. I believe Chase Bank has exceeded the hold time allowed by federal law. Furthermore, the customary partial release of funds did not take place. No funds whatsoever have been released, causing financial hardship. Not having funds for year end expense write-offs has caused further issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XXXX of XXXX I sent Chase my negotiable instrument in the form of the coupon that was attached to the statement that they had sent me. I wrote the amount in the Box in number form on a letter form dated it and indorsed it. The amounts for {$2000.00}. In XXXX I sent them another one for the same amount in the same way a couple days after I sent it they sent me a letter regarding the first negotiable instrument sent in on XXXX stating that it could not be accepted because of the card agreement. When I called them I tried to explain to them that their agreement is not a contract and does not supersede United States code and to cfrs definition for negotiable instrument. They never returned my securities or sent proof of destruction of said securities. I informed them since that I attempted to make payment and they would not accept it. The payment was atempted on my part and should be either accepted or canceled according to the law. I proceeded to call me everyday for payment and then after some time canceled my account and I believe sent me to collections and doing so has now destroyed my credit report. All payments have been made using certified return receipt mail and I have pictures of all securities and have the receipts for the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Violation of fcra and fdcpa! See attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief