vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-07 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00} Repossession XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$39.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have been a long standing customer of JP Morgan Chase Bank Credit Cards. I was XXXX XXXX military for many years, as well as married to an XXXX XXXX military member. I obtained the credit card with a special military interest rate. 

Over the years, our family has trusted chase bank credit cards to get us through hard times. Now out of the military and no longer XXXX XXXX but still a veteran, I got a notice from Chase credit that my interest rate would be increasing 18 % and all previous charges on the credit card would be subject to the 18 % interest increase. 

Because of this, I can literally no longer put food on the table. It ; s an extra {$350.00} a month to keep the card in good standing. I have called them more times than I can count and begged for help, I'm okay with the interest increase, just why am I getting charged the increase every month, on purchases I made for my family WHILE I WAS ACTIVE DUTY.

This is so wrong! Driving my family into bankruptcy. PLEASE HELP! I've paid thousands of dollars extra this year because of this and I sometimes and late on utility bills now or can't feed the family, just so my credit company doesn't send me to creditors. 

I've served this country for a decade and this is just a slap in the face!!!! PLEASE HELP, and help me get back the money that they've taken over the last 6 months from me from this. It's so WRONG! Illegal even, I think ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: PA

Complaint narrative:
Company continues to furnish fraudulent credit inquiries onto my consumer report. After being informed that a data breach may have exposed my personal information, this company still continues to furnish fraudulent credit inquiries. This is a direct violation of USC 1681. An ftc was filed and attached listing these credit inquiries as fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: KY

Complaint narrative:
Equifax, Account Name : XXXXXXXX XXXX XXXX Account Number : # XXXX This letter serves as formal notice of my intent to sue for willful non-compliance and gross negligence under the Fair Credit Reporting Act ( FCRA ). Specifically, this concerns 15 U.S.C. 1681s-2 ( a ) ( 5 ), which mandates the accurate reporting of the Date of First Delinquency ( DOFD ). Your failure to ensure this essential information is present on my credit report constitutes a blatant and knowing violation of federal law, regardless of the account 's payment status. This omission not only undermines the accuracy of my credit report but also demonstrates a willful disregard for statutory obligations and consumer rights. 

As outlined in the case XXXX XXXX Equifax, the Date of First Delinquency ( DOFD ) is the accurate date that determines how long negative information remains on a credit report. The XXXX is crucial because it determines the seven-year period during which derogatory marks can stay on a consumer 's report. Using the Date of Last Activity ( DLA ) instead of the DOFD can improperly extend the reporting period beyond what is allowed under the FCRA, which can cause a negative impact on the credit report for a longer duration than legally permitted. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$41000.00} Repossession XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Late/Open

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 2024-11-07 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-07 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: CA

Complaint narrative:
I contacted XXXX XXXX and have asked them to close the fraudulent account and to remove the hard inquiry. They are in the process of closing the account BUT the hard inquiry is yet to be removed. I need the hard inquiry dated XX/XX/year> to be removed from Experian credit reporting agency. i didnt give permission for my information to be used to open any account. the company is closing the account. I need the hard inquiry removed from Experian. A fraud alert will be put on my credit reports.

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 2024-11-07 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: TN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX VERIFICATION OF HOW DEBT WAS VALIDATED

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 2024-11-07 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account Number : XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I am dealing with an identity theft case involving Wells Fargo Card Services, where they claim to have identified my signature on a loan from a company called XXXX from XXXX, TN. However, I never signed any such loan. I have clear evidence showing that I wasnt even in Tennessee as shown on my banking activities at the time, but they havent asked for this evidence yet. Instead, they continue to insist that the signature is mine. Ive disputed this multiple times, stating that I can prove the loan was fraudulent. I have no history of fraud, either before or after this loan, and I pointed out that XXXX  didnt request ID verification, as I wasnt there to sign for it. As I suspected, this was a case of identity theft, as I was driving through Tennessee a few days earlier, and the loan was signed without me presenting on XX/XX/year>, when I was actually in XXXX  XXXX DC. I have also stated that I dont own or rent any property in Tennessee XXXX and this loan was supposedly for home renovations.

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 2024-11-07 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: NY

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

Account Name : XXXX Account Number : XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: UT

Complaint narrative:
I applied with Credit Fresh at a very desperate time. I had been denied a loan everywhere else and was desperate because my home was in foreclosure and I needed the money to catch it up and save my home. I was at first denied and I called to explain my situation and asked if there was anything they could do. Im not sure what they did, but after another application, and waiting on hold for a while, I was approved. After the first payment I noticed the principle amount was higher than the original borrowed amount. I contacted them and thats when the billing cycle fees were explained to me. Essentially, Im supposed to be paying {$150.00} or so every two weeks but almost none of it goes toward the principle amount. I feel these fees were not explained to me at all and in a clear way prior to me accepting the loan and using the money. I also think they did something fishy to get me approved to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR

Complaint narrative:
They don't want to take direct payments and they return checks every month. I have all the payments on time because they are managers check. They just want to take the property from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: GA

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 2024-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Incorrect and over charged from past due amounts and statements falsified past due amount and new amount due do not match up Phone harassment after explaining situation with trying to get eyes corrected XXXX and situation told would do hardship and stop interest, and I became overwhelmed by excessive fees charged and tacked on monthly. Also have lawsuit filed against me, but court company will not investigate errors on billing statements requested to get validated three times and never received proper notification of lawsuit through mail was also called multiple times daily after requesting for feasible payment instead of them adding hundreds of dollars in charges for late fees and stating I owe more than I actually shouldve been paying them was to the point I never missed a payment on anything until this happened and after I had my XXXX  XXXX, it has severely caused financial and emotional 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 explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: NM

Complaint narrative:
XXXX XXXX XXXX, sent me XXXX statements of debts owed dated XX/XX/year>. One loan amount {$44.00}, XXXX and the other {$38000.00}. CURRENT CREDITOR LISTED : XXXX XXXX XXXX and XXXX. CREDITOR : XXXX XXXX XXXX on both statements SIMMS ASOCIATES sent these loans to XXXX XXXX XXXX  and the Company to which I made payment and a settlement of {$35000.00}. 

These Loans were not mine Additionally, their Original and Current creditor is incorrect and the bank listed DO NOT PARTICIPATE IN STUDENT LOAN NOR SERVICE THE STATE I LIVE IN

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
{$300.00} fraudulent collection was placed on my credit file by IQ Data International on behalf of XXXX XXXXXXXX XXXX I have an identity theft placed on my file for identity theft and XXXX XXXX disregarded any attempt to contact me at number XXXX before accepting any applications to verify that it was me that submitted application. I contacted IQ Data International and spoke with XXXX XXXX at XXXX ext XXXX to verify and dispute this fraudulent account and was told that date of birth on account does not match my date of birth, date of birth they have on file is XX/XX/year> and the phone number is not the same as on my credit report. This fraudulent collection resulted in my XXXX XXXX decreasing by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
They paid my back taxes then told me I had to pay back by XX/XX/XXXX then they said XX/XX/XXXX which I paid them back n they won't take the payment on top of them trying to charge me XXXX I blocked that pay ment cus I don't have n extra XXXX but I have paid what I was asked n they want put my my mortgage back to XXXX XXXX I'm supposed to paying they keep sending my payments back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2024-11-07 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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