vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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:
PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-05-13 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:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

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 2024-05-13 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: TN

Complaint narrative:
I have a hard inquiry on my transunion credit report dated XX/XX/2023 from XXXX XXXX XXXX that I don't know why it is there and I can't get it removed from my credit report without a letter from the FTC or CFPB.

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 2024-05-13 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: MA

Complaint narrative:
I am once again reaching out to address the unresolved dispute that I have previously brought to your attention concerning inaccurate and misleading account. Despite my prior communications, your department has not adequately addressed the concern, and the presence of this account continues to have a detrimental impact on my credit scores.

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 2024-05-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My original mortgage lender was XXXX Mortgage XXXX XXXX ( XXXX ). I signed my Note and gave it to XXXX on XX/XX/XXXX. XXXX went out of business on XX/XX/XXXX. XXXX did not indorse the Note to any party and XXXX did not assign the Note to any party. Chase Home XXXX XXXX ( Chase ) took over the mortgage servicing while it was a stranger to my Note and while not paying the XXXX its share because XXXX did not exist. I made monthly mortgage payments to Chase until XX/XX/XXXX. Due to the XXXX of XXXX, I lost my job in XX/XX/XXXX I was not able to pay Chase. On XX/XX/XXXX Chase forged a mortgage assignment from XXXX to Chase. and based on that filed a Foreclosure Complaint on XX/XX/XXXX in the XXXX XXXX XXXX XXXX XXXX NJ, On XX/XX/XXXX XXXX. XXXX XXXX from the NJ XXXX XXXX XXXX XXXX suspended the Complaint of XX/XX/XXXX and ordered Chase to remove the forged mortgage assignment of XX/XX/XXXX to cure the deficiencies and re-file. Chase violated that XXXX of XX/XX/XXXX, and instead forged XXXX more mortgage documents and sold it to XXXX XXXX XXXX XXXX ( XXXX ) sometime before XX/XX/XXXX. XXXX hired a local notary public to forge my signature on a so-called HAM Agreement of XXXX. On XX/XX/XXXX the Note was already time barred based on NJSA XXXX ( b ). On XX/XX/XXXX XXXX filed the second foreclosure complaint based on the time-barred Note and the recycled forged mortgage assignment of XX/XX/XXXX. XXXX was a debt collector by filed the foreclosure complaint as a mortgage lender and servicer. without being a secured creditor. I sent FDCPA XXXX XXXX letter to XXXX in XXXX of XXXX they ignored it. XXXX sold the alleged debt to XXXX XXXX XXXX ( XXXX ) in XXXX of XXXX. XXXX sent me a FDCPA XXXX XXXX XXXX on XX/XX/XXXX and I denied it and asked for validation. XXXX replied that they would validate the debt and get back to me and I am still waiting. XXXX was a debt collector and was trying to collect on a time-barred debt. In XXXX of XXXX, XXXX sold the alleged debt to XXXX XXXX Mortgage Servicing ( XXXX point ) and XXXX XXXX XXXX XXXX XXXX XXXX Bank ). On XXXX/XXXX/XXXX sent them FDCPA XXXX XXXX Letters, and they replied that my case was complex and they would get back to me. I never heard from them, On XX/XX/XXXX I sent them both FDCPA Cease and Desist Letter. XXXX point continued sending my mortgage statements on a time-barred Note. XXXX point is a debt collector not my mortgage servicer. XXXX Bank is a debt collector, not the owner of my mortgage. The owner of my mortgage was XXXX and now the Note is time-barred. I request that both leave me alone and stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
According to the IRS an unpaid chargeoff is income and according to the FCRA income can not be reported on a credit report. 
I am requesting a 1099-C ( Cancellation of Debt ) from the XXXX following accounts listed below. 
1 ) Comenity Bank/ Express - # XXXX. 
2 ) Comenity BankXXXX XXXX XXXX # XXXX. 

After checking my credit reports the updated information stated the account was purchased by XXXX XXXX. 
The XXXX accounts can not be reported as charge offs if the accounts was sold to another lender. 
Please send the 1099-C form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've consistently made timely payments on this account, preventing them from becoming overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: TX

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions made by me the consumer. This block is not being made in error, or on a basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself.

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 2024-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a Best Buy credit card when it came time to renew the card it came with a renewal fee of {$190.00} I ignored it assuming that it would just be cancelled. The next month another bill came with interest and a late fee. I called Best Buy and cancelled the card and reversed the initial charge but not the interest and late fee. I was told to contact Citibank about that. I was unable to get a representative and instead could only access automated responses. I sent a letter and eventually, someone from Citibank called me. I explained the situation and a report was made. Nothing was done about it. As of today they claim I owe {$120.00} for interest and late fees for absolutely nothing. If I had known that this would be such a problem I would have kept detailed records of everything but who ever heard of owing interest for something that wasn't purchased? The credit card was cut up and thrown away a long time ago so I don't know the full account number but it ends with the numbers 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 monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NY

Complaint narrative:
Yesterday I received a credit alert that a debt collector has reported to credit agencies a collection for {$250.00} from XXXX XXXX. I don't have any business with this collection company and I don't who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Repeatedly have tried to check my score with Experian online and every time I get an Ooops something went wrong screen. When I try to call the number provided on that screen I get a bot who tells me I am unable to be verified and then hangs up. Incredibly professional. 

The ooops is that these report agency are likely captured by the same bullying and arbitrary tactics that run almost all institutions and organizations and considering how many times Ive complained and nothing changes I imagine The CFPB also affected. 

With no credit opened since my bankruptcy discharge in XX/XX/year> my credit score should slowly creep upward rather than show drastic drop 4 months later. This is fraud and it affects peoples livelihood and as long as the person recieveing this complaint gets paid for their time doing so, nothing really changesbecause no one cares as long as it is happening to someone else. Too bad that means it will eventually happen to us all.

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 2024-05-13 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: NY

Complaint narrative:
I am writing this letter in reference to my previous dispute submitted to your agency. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved and unverified negative items from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these entries.

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 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: OH

Complaint narrative:
Ive tried asking for help with different programs that were supposed to cancel my remaining debt with them after I completed the necessary payments. They never canceled my remaining debt. Then I tried asking after they went back on their word to get help with waiving my late fees because Im trying to pay them back, so I can live again, but they just want to XXXX XXXX XXXX  like with everyone else they do dirty. Every time I try asking for help too, they try to shut my app down, so I will stop asking for assistance. They dont really care about their patrons no matter how long youve been with them, and the fact that this is my first time been this late and over my balance, and Ive tried asking for help long before it got this bad. I even tried to get a personal loan to pay them back and consolidate my debt, but nope. They purposely deny me even that right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I call CitiBank XXXX XXXX Department stating my card is blocked and for them to fix my card. 

They state they have removed the fraud warning. I am then able to make the purchase. 

Later on in the week it appears that I am unable to purchase anything using the card despite the person on the phone assuring me my card would not be blocked again. 

XX/XX/XXXX I call Citi Bank and now to unblock my card and verify my identity, they want to send a letter with a CODE IN THE MAIL PHSYICAL MAIL??? 

I CANT EVEN SPEED UP THE LETTER ITS SO XXXX I WAN NA USE MY CARD NOW!

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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:
I am writing once again to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the necessary FTC report to the Federal Trade Commission regarding these fraudulent accounts, and subsequent to this submission, XXXX and XXXX have removed these accounts from their records. 
Additionally, I have directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I find it perplexing that these accounts are still being reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only breaches this obligation but also exposes me to further harm. 

I request that you promptly eliminate these accounts from my credit report, consistent with the actions taken by other credit bureaus. Failure to do so will leave me with no alternative but to pursue legal action. 
The following accounts are of concern : XXXX XXXX XXXX and 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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Working on my credit when the credit company pulled my information it was not accurate

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Working on my credit when the credit company pulled my information it was not accurate

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