vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to FCRA 605B, it's necessary to eliminate any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts are incorrect in terms of reporting. Compensation of {$1000.00} is due for each inaccurate entry on my credit file.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
According to FCRA 605B, it's necessary to eliminate any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts are incorrect in terms of reporting. Compensation of {$1000.00} is due for each inaccurate entry on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize!

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 2024-04-23 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: TX

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-04-23 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:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-04-23 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: FL

Complaint narrative:
I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX and Experian These accounts : XXXX XXXX XXXX  Last reported XXXX XXXX, XXXX  {$3600.00} Open balance XXXX XXXXXXXX XXXX XXXXXXXX, are not complete and accurate. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

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 2024-04-23 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-23 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: TrueAccord Corp.
State: CA

Complaint narrative:
To the Department of Consumer Affairs, I am writing to formally lodge a complaint against XXXX regarding the ongoing lack of resolution surrounding a dispute with my account. Since XX/XX/XXXX, I have tirelessly attempted to address this matter, yet have encountered unhelpful and dismissive responses from XXXXXXXX XXXX " customer care '' representatives. 

On XX/XX/XXXX, I placed an order with XXXX through XXXX. Unfortunately, I received my items way past the expected delivery date, on XX/XX/XXXX. Upon receiving the items, I discovered they were broken and counterfeit. On the same day, XX/XX/XXXX, I reached out to the merchant with photos of the merchandise, requesting a return and refund. Despite my efforts, I received no response from the merchant whatsoever. 

In response to the merchant 's lack of communication, I opened a dispute with XXXX and provided irrefutable evidence to support my claim. However, XXXX unjustly sided with the merchant, despite their clear violation of policies. 

On XX/XX/XXXX, I took it upon myself to pay the loan in full to XXXX, in an effort to avoid any potential penalties. Subsequently, on XX/XX/XXXX, I filed a dispute with my bank regarding the transaction. 

After a thorough investigation, my bank concluded the dispute to be valid in XX/XX/XXXX. 

Despite my efforts to resolve the issue with both XXXX and the merchant, I have been met with inadequate support and dismissal. I am deeply disappointed by XXXX 's failure to conduct a fair and thorough investigation into the fraudulent activity on my account. Had they done a proper investigation back in XXXX, we wouldn't be dealing with this issue. 

I expect a swift and comprehensive response outlining the steps XXXX intends to take to rectify this situation and restore my confidence in their integrity and commitment to customer satisfaction.

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 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
On XX/XX/XXXX the original debtor took {$3300.00} from my income tax and then tried to charge me {$1800.00} and now I got a letter today for {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
consumerfinance.gov please review fully and if possible take action on this institution and monitor them until they answer the following. 

note ; I received attache letter on XX/XX/XXXX dated XX/XX/XXXX stating that my account was due XX/XX/XXXX. Chase, don't you think it's time to up your game, improve your customer service and perhaps be required to CALL YOUR CLIENTS when an abnormality and or concern is spotted on account that is out of the ordinary? 

How, Why did JP Morgan Chase " Cancel my HELOC payments '' that have been paid 100 % on time since XXXX or XXXX? 

This on top of the other matters I await answers to, It is 100 % Chase may be taking the approach of a Personal and Calculated Vendetta with regards to my accounts? 

I seek ALL ANSWERS to previously asked questions re ; the deposit account funds that you held for 21 days after being verified by the bank they were drawn on then tied up and " SUSPENDED '' since XXXX then sent me a check last week with no explanation after my filing XXXX report through this agency. 

Your behavior as an institution is NOT acceptable! 

I await your response with everything clearly spelled out and clarified, I will continue to file through this portal until such time that you do. 

XXXXnote, there are funds in my account at my NEW and more reputable bank of choice that you have drafted from since XXXX without a glitch until JP Morgan Chase created s glitch. I expect any and all fee 's related to the HELOC matter be waved and or credited back 100 % Still not one returned call from XXXX who left messages several times to call with any questions even though I've called and left messages on 2-3 occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards.For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete 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 2024-04-23 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:
In XX/XX/XXXX, a fraudulent account was opened with XXXX XXXX XXXX without my knowledge or consent. This unauthorized activity was first discovered by me in XX/XX/XXXX during a mortgage application. The account pertained to an auto lease valued at {$79000.00}, and it subsequently appeared on my credit report, negatively impacting my credit score and financial standing. 

Upon discovering the fraudulent activity, I immediately took proactive steps to address the issue : Filed an FTC Identity Theft Report : In XX/XX/XXXX, I filed an official report with the Federal Trade Commission ( FTC ) to document the identity theft, indicating that the information used to open the account was obtained and used without my authorization. 
Notified the Credit Bureaus : I alerted the major credit bureaus, including XXXX, XXXX, and Equifax, requesting the removal of the unauthorized inquiry and account from my credit reports to correct the inaccuracies stemming from this identity theft. 

These actions were taken to mitigate the damage caused by this incident and to prevent further misuse of my personal information. I am seeking the immediate removal of this fraudulent account from all records and assurance that measures are put in place to protect against future incidents of identity theft. 

The accounts and inquries that are the result of fraud are below ; Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX AmeriHome Mortgage have XXXX mortgage loans in my name with them. On XX/XX/XXXX I Refinance my mortgage with XXXX XXXXXXXX XXXX. I only had XXXX mortgage account. After closing my refinance mortgage with XXXX XXXX XXXX I find my mortgage account in more fraudulent activities with fraudulent documents being created. I continue to provide evidence in this matter of mortgage fraud that start with XXXX XXXX XXXX XXXX with they merge with XXXX XXXX and became title trustee on my property deed. This organization have changed my XXXX XXXX XXXX with my original mortgage information, and trying to cover-up the fact that they sold my property and is receiving profit that is being paid to investors. 
XXXX. Why have you added my mortgage loan that you said was Transferred from XXXX XXXX XXXX but the truth is my loan was sold on my closing date to AmeriHome Mortgage Company. Why is my mortgage in a debt collector with your company? 
I will be subpoena your documents for the court? 
XXXX. Why is it so important for me to sign in on line with this mortgage account? 
You charging me {$2.00}, because I pay by phone. 
XXXX. XX/XX/XXXX I called and your records indicates that my mail is being returned. 
Why when I have already verified information with your agent on the phone. 
XXXX. I always received mortgage statements that I continue to say look fraudulent XXXX. Why did AmeriHome Mortgage do a hard credit pull on my credit report on XX/XX/XXXX and on XX/XX/XXXX to different mortgage companies? 
I keep up with kind of information because of all the fraudulent activities and cover up. 
XXXX. I had no Mortgage Loans on my credit report from XX/XX/XXXX when I first refinance thur XX/XX/XXXX. 
Now I have more than XXXX or XXXX that have been added to my credit report. Because if my Refinance with XXXX XXXX XXXX Yes this is a Organization doing White collar crime. 
I need someone to look over my files and investigate, because this organization is violating my consumer rights. 
XXXX. Not receiving mail only what they want me to receive, court documents that say I owe XXXX XXXX XXXX over {$8500.00} and mail that I do not receive, until after they created, and present to someone, although I knew from the beginning. 
I'm going to file more case against this organization and name people. I noticed now you are not adding name that are addressing my complaints. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AmeriHome Mortgage Company AmeriHome Mortgage LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name on my credit report that was pulled and 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 explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to FCRA 605B, it's necessary to eliminate any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts are incorrect in terms of reporting. Compensation of {$1000.00} is due for each inaccurate entry on my credit file.

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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
this letter to inform you that I have notified the credit bureaus of misreporting any in accordance with the Fair Credit Reporting Act. According to which, as the XXXX XXXX in question, you have a grave responsibility of maintaining the accuracy of that XXXX  account ( list name and number of account ) is reporting a balance of ( enter be at ) when it is my understanding a reason to believe that because this debt was charge at it was memorialized with a form 1099C as proof or evidence thereof. And that XXXX is debt is cancelled and at least should not reflect the balance that is currently shown e amount ) on my consumer file. XXXX  indicate inaccurate reporting on your behalf and therefore is a XXXX XXXX  to continue to report this inaccurate information. Especially with and confirmation of the errors. provide me with the return of the time and form as prescribed by regulars re, my address, my TIN, the date, and amount of the discharged/charged thon as prescribed by the Secretary. then I would demand that the account be removed from

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 2024-04-23 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: PA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize!

Company response to consumer: Closed with explanation