vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 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 am writing to request that you ensure that all information on my credit report is accurate and correct, as required by law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you have a legal obligation to maintain accurate and complete information on my credit report.

Specifically, Section 1681e ( b ) of the FCRA states that : " 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. '' Furthermore, Section 1681i of the FCRA states that : " If the completeness or accuracy of any item of information contained in a consumer 's file 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 or incomplete and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) of this subsection, 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. '' I request that you take immediate action to ensure that all information on my credit report is accurate and correct. Please investigate and verify the accuracy of all information on my credit report, and remove any inaccurate or incomplete information. 

Please provide a corrected credit report to all parties who have received a copy of the report in the past 6 months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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:
I RECENTLY WAS DENIED FOR A MORTGAGE LOAN BECAUSE THEY SAID I HAD COLLECTIONS ON MY ACCOUNT WHEN IN FACT I HAVE NEVER OWED ANYBODY OR HAD ACCOUNTS WITH THE COMPANIES THAT I AM DISPUTING. THESE ACCOUNTS ARE SEVERELY INACCURATE AND I NEED THEM REMOVED IMMEDIATELY BECAUSE THIS IS UNFAIR AND GOES AGAINST THE FCRA. EVERYTHING ON MY CREDIT REPORT MUST BE 100 % ACCURATE BUT MY CREDIT REPORT AND CREDIT FILE IS NOT. THIS IS RUINING MY RELATIONSHIP WITH THE BANKING SYSTEM AND RUINING MY LIFE. I NEED THESE ACCOUNTS REMOVED AS SOON AS POSSIBLE OR ELSE I WILL BE FORCED TO SUE IN FEDERAL COURT. I. HAVE ALL OF MY IDENTIFICATION DOCUMENTS ON EACH OF MY LETTERS SO YOU KNOW THIS HAS NOT BEEN DONE IN ERROR

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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:
I RECENTLY WAS DENIED FOR A MORTGAGE LOAN BECAUSE THEY SAID I HAD COLLECTIONS ON MY ACCOUNT WHEN IN FACT I HAVE NEVER OWED ANYBODY OR HAD ACCOUNTS WITH THE COMPANIES THAT I AM DISPUTING. THESE ACCOUNTS ARE SEVERELY INACCURATE AND I NEED THEM REMOVED IMMEDIATELY BECAUSE THIS IS UNFAIR AND GOES AGAINST THE FCRA. EVERYTHING ON MY CREDIT REPORT MUST BE 100 % ACCURATE BUT MY CREDIT REPORT AND CREDIT FILE IS NOT. THIS IS RUINING MY RELATIONSHIP WITH THE BANKING SYSTEM AND RUINING MY LIFE. I NEED THESE ACCOUNTS REMOVED AS SOON AS POSSIBLE OR ELSE I WILL BE FORCED TO SUE IN FEDERAL COURT. I. HAVE ALL OF MY IDENTIFICATION DOCUMENTS ON EACH OF MY LETTERS SO YOU KNOW THIS HAS NOT BEEN DONE IN ERROR

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: FL

Complaint narrative:
I want to emphasize that I have no connection with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply 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 non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
After XXXX years of paying, including accelerated prinicipal payments, we applied to transfer the loan to my daughter and her husband. They completed the application to transfer the loan and Nations Direct instead of processing the application, transferred the loan to a debt collecting mortgage company. Our mortgage account # is XXXX with Nations Direct XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. The new account is with XXXX XXXX loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. Account XXXX is {$260000.00} We call XXXXXXXX XXXX and they said a new application needs to be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: CO

Complaint narrative:
I am writing to formally dispute the information reported on my credit file. Despite multiple attempts to resolve these reporting issues, the inaccuracies remain unaddressed. I have enclosed a detailed description of the specific issues, along with the relevant violations of the Fair Credit Reporting Act ( FCRA ), METRO2, and the Code of Federal Regulations ( CFR ). 

I urge you to conduct a thorough investigation and rectify these inaccuracies promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2024, a complaint was made to remove all addresses that don't belong to me, including incorrect names. I have pulled my credit report to see if some have been removed, but some still remain. I am requesting that this be removed immediately with no delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: Global Lending Services LLC
State: GA

Complaint narrative:
XX/XX/XXXX there were hard inquiries placed on my account without my permission. It was only supposed to be a soft inquiry. On XX/XX/XXXX my credit was only supposed to be ran once and the business put more inquiries on my account without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Regions Bank recently pushed everyone to get periodic statements online. I selected to continue to get my periodic statement in the mail, but I didn't get the XXXX or XXXX periodic statements in the mail. I expressed my concerns in person and was assured that my account was set up to have my statements mailed to me. I have never received my XXXX periodic statement after multiple requests. I spoke with customer service on XX/XX/XXXX and was assured my XXXX statement would be mailed to me. I have never received the XXXX statement. At this point, this appears to be a XXXX issue. I feel as if they are being deceptive and do not want me to be able to balance my checkbook. Someone at Regions needs to take my request seriously. Extremely disappointed with their handling of my request for a periodic statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: NY

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: NY

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 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 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have XXXX XXXX XXXX XXXX through Bank of America. They will only let me pay on one. The other constantly gets dinged with late fees because their app actively prevents me from paying. Ill select pay bill and it will tell me it cant and I have to use a different section of the app. Then when I go there it will only let me pay on my primary card resulting in a late fee etc etc. I told them to close the card but theres a balance of {$23.00} they wont ( and I mean wont ) transfer to the other card. They supposedly fixed the problem last month but this month again XXXX cant pay on the card. Whether its XXXX XXXXXXXX or malicious intent I dont care. They are harming customers and my credit score has been damaged by them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/2024 at XXXX, there was a charge in the amount of {$910.00} at XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX XXXX XXXX Tx XXXX, while I was at work in XXXX TX XXXX I called XXXX and spoke with a manager who confirmed my card was used and I informed the manager I will be calling my bank to report the fraudulent charge. I called Ace Flare bank and I was informed that my card was blocked due to the incorrect pin being tried and I followed through with reporting my card stolen and also disputing the transaction for {$910.00}. I was told by Ace Flare bank that it could take 10-45 business days for a resolution and they stated they could only offer me a {$35.00} credit while my claim is on going. On XX/XX/2024 I called Ace to check the status of my dispute and they told me that it was denied because they found an error and management decided to deny my claim. They could not tell me the error. They also stated that another reason why it was denied is because they came up with a resolution that I authorized someone to use my card while I was at work. They then stated at this time they will not be approving my claim for {$910.00} that I did not approve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: OH

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: OH

Complaint narrative:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have recently found out that I am a victim of identity theft. Due to that there are fraudulent accounts and inquiries on my credit report. Someone has stolen my personal information and has used it as their own applying for a credit card and even a mortgage. I have already taken it upon myself to file a report with the federal trade commission and my local police station. Both the Police report and FTC Identity theft report are attached to this letter. I was advised by both creditors and also your fraud departments supervisor to file these documents and to send a copy. Please review my documents and process a block on these accounts, thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: MN

Complaint narrative:
Since XXXX Equifax has been reporting my old line of credit as being late in XXXX. First, they incorrectly marked it late in XXXX now they marked it late in XXXX, XXXX. XXXX XXXX said they have not been reporting this account since it was closed and paid in full. There are XXXX accounts listed on my report under XXXX XXXX  The first one was opened in XXXX and then closed in XXXX. It should have been removed from all credit reporting in XXXX. Equifax is reporting it as a " new account '' and reporting that it is late in XXXX, XXXX. This account was paid in full and closed in XXXX! My last account with XXXX XXXX was paid in full in XXXX of XXXX and closed. How can an account be late in XXXX of XXXX if it was paid in full. The first account was closed and paid in XXXX and the second paid in full and closed in XXXX. XXXX and XXXX come before XXXX so nothing should be reporting late in XXXX. All accounts from XXXX XXXX should be deleted from my credit report. They also state that the account is too New to Rate. How can this be when its more than XXXX XXXX XXXX. It doesnt need to be rated. Only deleted! 
Equifax is now stating that they can't locate my credit report. How is that when I can find it. Why are these credit reporting companies allowed to continue to just add whatever they want to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: IN

Complaint narrative:
This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is XX/XX/XXXX an on Transunion it's XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. Account Name : XXXX Account NumberXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: IN

Complaint narrative:
This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Equifax the date last active is XX/XX/XXXX an on XXXX it's XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. Account Name : XXXX Account NumberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: MI

Complaint narrative:
I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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 have recently found out that I am a victim of identity theft. Due to that there are fraudulent accounts and inquiries on my credit report. Someone has stolen my personal information and has used it as their own applying for a credit card and even a mortgage. I have already taken it upon myself to file a report with the federal trade commission and my local police station. Both the Police report and FTC Identity theft report are attached to this letter. I was advised by both creditors and also your fraud departments supervisor to file these documents and to send a copy. Please review my documents and process a block on these accounts, thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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 have recently found out that I am a victim of identity theft. Due to that there are fraudulent accounts and inquiries on my credit report. Someone has stolen my personal information and has used it as their own applying for a credit card and even a mortgage. I have already taken it upon myself to file a report with the federal trade commission and my local police station. Both the Police report and FTC Identity theft report are attached to this letter. I was advised by both creditors and also your fraud departments supervisor to file these documents and to send a copy. Please review my documents and process a block on these accounts, thank you!

Company response to consumer: Closed with non-monetary relief