vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 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 2024-03-20 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NJ

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX are all reporting charged off accounts when charge offs are considered income I do not consent to have any of my income being reported unlawfully to any third-party credit bureaus. 

Should any credit bureaus decide to not immediately remove these accounts I intend to Sue them for damages directly for the violation of my privacy. Please see attached JS 44 Form Civil Cover Sheet that I am fully prepare to process should you not honor my request.

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 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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, XXXX XXXX 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 inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - Date of inquiry : XXXX XXXX XXXX -Date of inquiry : 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 2024-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CO

Complaint narrative:
In XX/XX/XXXX I noticed charges from XXXX going back to XXXX that were fraudulent and not mine ( I have never had a XXXX account connected to this checking account ). I called the US Bank fraud department to report the fraud and file the claims.

Months later, I found out that incorrect transactions were filed on my behalf by the fraud department as fraud and a reserve line of credit was opened without my authorization. An advance was also taken from that reserve line without my authorization. 

After spending close to XXXX hours on the phone with the fraud department over the course of several months, I was told to go to a local branch for their assistance. I worked with XXXX branch employees who worked in tandem with the fraud department trying to sort out the claims that were fraud and those that weren't. It was then that I was made aware of the reserve line that had been opened as well as the balance on that account. 

It was also recommended by the branch and fraud dept employees that we cancel all previous claims that were filed in XXXX and refile the fraudulent transactions to ensure the claims were accurate.

Yesterday, I was directed by the branch to report the reserve line as fraud since I did not authorize it to be opened.

Today, when I called to report that fraud, I was told by the fraud department that all of my fraud claims have been denied and that I could not report fraud on the reserve line. Not only will I not get my money back from the fraudulent XXXX charges, but I also owe the balance on the reserve line. 

Opening of a line of credit without my authorization is unethical and seems as though it would be illegal.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX continues to allege I owe a debt I do not. Under the Fair Debt Collection Practice Act XXXX XXXX XXXX should have sent me a notice of my right to dispute this debt before the information was sold to credit bureau to be placed on my consumer report. I have received no such notice and I dispute this debt as belonging to me and have no contractual obligation to XXXX XXXX and refuse to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX, my Chase Visa credit card was charged by XXXX for {$210.00}, an amount I did not recognize. This was XXXX of many unauthorized XXXX transactions around the month of XXXX, adding up to several XXXX dollars. I filed a fraud report with Chase on XX/XX/XXXX. 

On XX/XX/XXXX, Chase responded to say I was not responsible for most of the transactions I had reported, but I was still responsible for the {$210.00} transaction. The reason is that it was linked to merchandise that was billed and shipped to my address. 

On XX/XX/XXXX at XXXX XXXX, I called Chase 's fraud department to ask for information about what this transaction was about. They told me it was a transaction made from my domestic partner 's XXXX account, for merchandise that he had in fact purchased in XXXX. 

I confirmed with my partner that he recognized this transaction, but he had paid it with a completely different credit card. He has never authorized XXXX to use my Chase Visa, and didn't even know I had this Chase Visa. XXXX knew about the Chase Visa in connection with MY XXXX account, but not my partner 's. They apparently mishandled my credit card data to bill someone I lived with. 

I called Chase back at around XXXX XXXX to explain that this transaction was, in fact, unauthorized. I explained the situation, saying that XXXX billed the wrong payment method, a payment method they should not even have known about in connection with my partner. The fraud representative didn't believe me, and gave me the runaround about how this was technically not a " fraudulent charge '' but rather a " double charge '' if I recognized the transaction, and spent several minutes arguing with me and refusing to transfer me to the correct department. Eventually he initiated the transfer to whatever the double charge department was, and then the call disconnected. 

I have filed an FTC complaint against XXXX for their mishandling of my credit card data, but I still need Chase to recognize that I am not responsible for the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: Skopos Financial, LLC
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681section 602 states, I have the right to privacy. 15USC 1681section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

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 2024-03-20 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: OneMain Finance Corporation
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681section 602 states, I have the right to privacy. 15USC 1681section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am writing to file a formal complaint against CAVALRY PORTFOLIO This company may be improperly collecting on a debt/ REPORTING an authorized account. I am thus seeking further proof of the debt allegedly owed. 
To help you identify me, my name is XXXX XXXX. My date of birth is Date of Birth : XX/XX/XXXX. My Social Security Number ends in SS # : XXXX Please forward this complaint to the agency mentioned above. You may reply to this complaint or written mail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: GA

Complaint narrative:
TransUnion is reporting a collection account XXXX XXXX XXXX Account # XXXX that is not accurate. This so called debt has been canceled per the IRS and this is now considered income and can not be reported. I have also not validated this debt as belonging to me and have received no evidence from TransUnion that they have validated this debt with proper document or verification from a human.

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 2024-03-20 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:
My name is XXXX XXXX. Upon reviewing again my TransUnion credit report, I can still see unauthorized inquiries that I was requesting to get deleted. I kindly request the deletion and blocking of these items that do not belong to me within the next 24 hours.

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 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FirstPoint Collection Resources
State: MN

Complaint narrative:
I received 2 calls, I missed. I called this XXXX number back I am connected to XXXX XXXX. He says I've been treated wrong, I have a lawsuit on my hands he needs my information. I ask what's this in regards to, XXXX XXXX replies your XXXX XXXX account from XXXX. ( I've been hounded alot with this accusations ) So I ask how I can help, XXXX XXXX says I have his mother 's birthday, so he's gon na help me. 
He's gon na tell me about a fraud case I have in my favor. Can he get my birth date, I give it. I give my address, XXXX XXXX tells me my social security number, then states what I owe XXXX  XXXX, {$6900.00}. 
It's wrongful charges, he's gon na get them dropped. 
XXXX XXXX call XXXX XXXX, asked there civil filing fee. 
The XXXX XXXX calls XXXX XXXX XXXX and asks there serving fees. 
XXXX XXXX then transfers me to XXXX XXXX 's who attempts to get my credit card information. I ask for verification of who I'm giving my credit card information to, and what's the reference number, and he tells me I'm gon na loose my deal. I will not get this XXXX dollar debt covered for XXXX if I don't give him my information right now. 
I call first point who XXXX XXXX 's claims to represent and they have no employees with that name. 
Is this a real debt collector, is this a scammer with all my information? 
Please help Resolution. Fix my credit. Make sure my social security number is not in wrong hands. Find out if these numbers are real, or scam

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Spoke to PHH customer service XXXX times to get the correct payment amount for the XXXX trial payment due XX/XX/2024. Every customer service representative has given me a different explanation for the different payment amounts. Received documents XX/XX/2024 saying payment is XXXX. Documents received dated XX/XX/2024 stated my payment is {$2400.00} XXXX XXXX XXXX. Trial modification permanent documents were notarized signed emailed to PHH XX/XX/2024. Original sent XXXX XX/XX/2024. 
I don't want to lose my house to foreclosure because I pay the wrong amount. I need a letter saying what the correct payment. Trial document said I had XXXX trial payment customer service said they saw I had XXXX trial payment in PHH computer system. I need documents stating how many trial payments amount of payments when due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: GA

Complaint narrative:
TransUnion and XXXX XXXX XXXX are in violation of the Fair Credit Reporting Act by reporting this allege debt that has not been validated or verified as belonging to me. I have received no documentation or contact information for me to follow up with on how they were able to validate this debt.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, these companies have been disclosing deceptive accounts. I've provided evidence indicating they're infringing upon my consumer rights. Despite this, the companies have failed to furnish any evidence of violation or justify the alleged debt placed for collections. Despite my repeated attempts, the issue remains unresolved. 
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. I have contacted all three credit reporting agencies and put them on notice of identity that taken place on my Social Security number. Ive also sent them a copy of a police report and also a FTC report this account still reporting on XXXX and XXXX. Ive been going back-and-forth for the last year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I have contacted all three credit reporting agencies and put them on notice of identity that taken place on my Social Security number. Ive also sent them a copy of a police report and also a FTC report this account still reporting on XXXX and Equifax. Ive been going back-and-forth for the last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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 writing to dispute an inquiry listed on my credit report, which I believe is inaccurate and unauthorized.

Company response to consumer: Closed with non-monetary relief