vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-12 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: NJ

Complaint narrative:
I am filing a dispute to have these accounts investigated for wrongful reporting on my credit file. Under the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect entry. I know FCRA 605B obligates us to report any incorrect accounts on a consumer 's report.

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 2024-06-12 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: IN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I am currently in a XXXX  XXXX bankruptcy proceeding. I am making payments on the mortgage through the trustee. The mortgage is outrageous right now. I am a senior citizen, almost XXXX XXXX XXXX, am XXXX and am going through severe hardship. I do not want to lose my home and I've never missed a mortgage payment. PHH is the lender. 

I asked for a loan modification and they sent me paperwork. I sent in all of the paperwork twice and called in many times. They claim they haven't received it because of " underwriting errors '' or because the files might be too large. They then request new information each time, which is very hard for me to put together because I am XXXX. I have proof that I have emailed all the information in and their calls are recorded so they have me on a recorded line asking what else is missing. They keep just giving me the run-around and they have just increased my mortgage payment again, because it is variable interest. 

I am begging the CFPB to help me. I do not want to be bounced around anymore. I provided bank statements from myself and my wife, all the evidence they've asked for, the application and more. I just need a breather as a XXXX senior, I do not need to be bounced from agent to agent each time I call PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: NJ

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXXXXXX

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 2024-06-12 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:
I sent a letter on XX/XX/year> to the credit bureaus requesting that the XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-11 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 sent my dispute letters in XXXX and my account was disputed and done but they re added the deleted items back on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ClearOne Advantage, LLC
State: CA

Complaint narrative:
They asked for a picture of my ID, social, date of birth with promises of debt relief. They asked for bank account # and routing #. I tried canceling and they wont respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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 sent a letter on XX/XX/year> to the credit bureaus requesting that the XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: GA

Complaint narrative:
I sent a letter on XX/XX/year> to the credit bureaus requesting that the XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: OR

Complaint narrative:
I purchased a vanilla visa gift card on XX/XX/year> from a XXXX store I loaded the card and made XXXX purchases leaving my balance at {$45.00} dollars. Same date as purchase I called the number to check my balance they informed me I had the above mentioned amount but couldn't spend it because the card was blocked due to a potential fradualent merchant although the company refuses to provide a merchant id number or location XXXX I was informed it would take 7 -10 business days to replace my card I waited and they never sent it so I called around the XXXX on this day they are willing to expedite my replacement claiming 2-5 business days and this is now XXXX I cal XXXX  XXXX services had them conference the call with this incomm card services we spent 2 hours getting no where nothing but the generic prewritten responses in broken english, they refuse claiming it's not possible according to their policy to provide a XXXX  XXXX tracking number for the expidited card, they now want me to send address verification mind you my building is secured and mail area on camera I've had no issues in the 3 years at my residence with receiving XXXX mail or XXXX  XXXX packages, XXXX XXXX recorded the call until my conversation with incomm required their employee to place my call on hold the man comes back an instead of answering my question he asks if XXXX is recording after the second time he was informed again the call was recorded demanded it not be he disconnected with again no resolution this incomm should be investigated the XXXX XXXX representative gave me this reference # for the 2 hours imi spent on the phone # XXXX and that was today

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is the third letter I fax to Capital One, I already called them several times but got very little help from them. 



XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ref : Capital One Fraud Department Fax : XXXX XXXX XXXX XXXX Case number : XXXX Dear Sir or Madam : I am writing once again to dispute a fraudulent charge on my account in the amount of {$9100.00}. 
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 
I received the first statement from Capital One on XX/XX/XXXX and I immediately called Capital One to report that I had never opened an account with your company and that this was identity theft. 
Although I have received very little information about the account, or the facts, I was informed by Capital One that the account had been opened in XXXX of XXXX using my old billing address, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. 
We moved from this address on XX/XX/XXXX, so the fraudulent account was opened using my old billing address when I was no longer there. 
Also, I find it very weird that if they say that this account was opened on XX/XX/XXXX that I only got their first statement on XX/XX/XXXX. 
Enclosed again are copies of documents, police report and my DL supporting my position. Please investigate this matter and correct the billing error as soon as possible. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: TX

Complaint narrative:
I am writing to formally request the removal of unauthorized credit inquiries on my name that occurred between the dates of XXXX and XXXX XXXX, 2024. These inquiries were not authorized by me, and I have attempted to dispute them with the credit bureaus to no avail. 

I have worked diligently to maintain a good credit standing and these unauthorized inquiries are negatively impacting my ability to obtain new credit. It is crucial that these unapproved inquiries are promptly removed from my credit report to prevent any further harm to my financial reputation. 

I kindly request that you investigate this matter and take the necessary steps to have these unauthorized inquiries removed from my credit report within XXXX days. I trust that you will handle this matter swiftly and efficiently to rectify this issue. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of these unauthorized inquiries from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 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: HI

Complaint narrative:
I was never late and these consumer reporting agencies are claiming that I was. I want proof that I was ever late and if they can not provide it then I demand that they reverse the late payments immediately.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I was never late and these consumer reporting agencies are claiming that I was. I want proof that I was ever late and if they can not provide it then I demand that they reverse the late payments immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: NE

Complaint narrative:
Beginning XX/XX/XXXX my account was socially engineered. Between XXXX and XX/XX/year> over {$15000.00} had been unverified transferred out from my account. This also impacted three other external accounts Im not affiliated with. An elderly woman was socially engineered to providing the information for these transactions to take place. We have filed complaints with our banking institution, First Interstate Bank. After their initial research they believe there is nothing they can do for us and the money is unrecoverable. They state my mom walked into the building to approve of these transactions. My mom is heavily XXXX. She does not walk when not necessary. It will be visibly evident in any video recording that any person attempting to replicate my mom will not replicate her walk. She has a XXXX XXXX XXXX. The person they are saying that came into the bank and impersonating my mom initiated over {$25000.00} in withdrawals over a three day span amongst numerous accounts. My mom is elderly and is going to XXXX  from the XXXX  of this victimization. My bank has said there is nothing they can do for recovering any of the funds. This is straight up XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: LEXISNEXIS
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I have an account with Chime Bank. I have had funds deposited and my paycheck deposited. I have not been able to access my money, Every time I contact the company they tell me to give it 48 hours. My last paycheck was from a federal government employer was deposited on XX/XX/XXXX and the funds have not been available. Prior to XX/XX/XXXX I have had funds deposited through a refund .I have not been able to access my money. It has continually said still processing. They keep telling me that it will take 24-48 hours. it has been much longer. 
I have not been able to pay my rent or buy groceries and this has put a strain on my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-12 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was misused, resulting in inaccurate items appearing on my credit report. Because of this, my credit limits have been reduced on some of my credit cards and my score continues to drop every month.

Company response to consumer: Closed with non-monetary relief