vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: CA

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.

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 2024-11-08 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: CA

Complaint narrative:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.

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 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: MD

Complaint narrative:
i have disputed 2 accounts on my credit reports-across all 3 and it keeps coming back verified, without any documentation to support their verification. The creditor continually add or delete information each time it is disputed. the credit reporting agencies are not lookin at previous credit reports prior to support my claim of unsubstantiated verifications and unsubstantiated information that is being reported. 
All 3 of my credit reports are reflecting several different information being reported from XXXX XXXX and their supposedly original creditors. Information is constantly being updated or taken off my credit report by the creditor. this should raise a red flag as convoluted and generic information they are reporting and no one is asking for documentation to support their claims. I have noted several FCRA, XXXX XXXX and FDCPA rules that are being broken but are still being allowed to report to the credit bureaus

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 2024-11-08 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: IN

Complaint narrative:
In [ Month, Year ], I discovered that my credit report contained inaccurate information related to late payments and incorrect balance details for XXXX XXXX XXXX XXXX. Specifically, the following issues were identified : Inaccurate Late Payments : On [ Date of Late Payment ], my account was incorrectly reported as being XX/XX/year> days late. However, I made the payment on time, as evidenced by my bank statements, which show that the payment of was processed on. 
Despite contacting XXXX XXXX via phone to dispute this error, the late payment was not corrected on my credit report. I have also provided proof of on-time payment in the form of bank transaction records and confirmation emails from the creditor. 
Incorrect Balance Information : My account balance was inaccurately reported as {$140.00}, while the actual balance was {$0.00} according to my statements. 
I contacted XXXX XXXX to request a correction. The representative acknowledged the discrepancy and assured me it would be updated. However, subsequent credit reports from [ XXXXTransUnion ] continue to reflect the incorrect balance, affecting my credit score and overall creditworthiness.

Despite multiple attempts to resolve these inaccuracies directly with [ Name of Company/Creditor ], no updates have been made to my credit report, and the erroneous information persists.

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 2024-11-08 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: IN

Complaint narrative:
In [ Month, Year ], I discovered that my credit report contained inaccurate information related to late payments and incorrect balance details for XXXX XXXX XXXX XXXX. Specifically, the following issues were identified : Inaccurate Late Payments : On [ Date of Late Payment ], my account was incorrectly reported as being XX/XX/year> days late. However, I made the payment on time, as evidenced by my bank statements, which show that the payment of was processed on. 
Despite contacting XXXX XXXX via phone to dispute this error, the late payment was not corrected on my credit report. I have also provided proof of on-time payment in the form of bank transaction records and confirmation emails from the creditor.

Incorrect Balance Information : My account balance was inaccurately reported as {$140.00}, while the actual balance was {$0.00} according to my statements. 
I contacted XXXX XXXX to request a correction. The representative acknowledged the discrepancy and assured me it would be updated. However, subsequent credit reports from [ XXXX/Equifax/XXXX  ] continue to reflect the incorrect balance, affecting my credit score and overall creditworthiness.

Despite multiple attempts to resolve these inaccuracies directly with [ Name of Company/Creditor ], no updates have been made to my credit report, and the erroneous information persists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: IN

Complaint narrative:
In [ Month, Year ], I discovered that my credit report contained inaccurate information related to late payments and incorrect balance details for XXXX XXXX XXXX XXXX. Specifically, the following issues were identified : Inaccurate Late Payments : On [ Date of Late Payment ], my account was incorrectly reported as being XX/XX/year> days late. However, I made the payment on time, as evidenced by my bank statements, which show that the payment of was processed on. 
Despite contacting XXXX XXXX via phone to dispute this error, the late payment was not corrected on my credit report. I have also provided proof of on-time payment in the form of bank transaction records and confirmation emails from the creditor. 
Incorrect Balance Information : My account balance was inaccurately reported as {$140.00}, while the actual balance was {$0.00} according to my statements. 
I contacted XXXX XXXX to request a correction. The representative acknowledged the discrepancy and assured me it would be updated. However, subsequent credit reports from [ Experian/XXXX XXXX  continue to reflect the incorrect balance, affecting my credit score and overall creditworthiness.

Despite multiple attempts to resolve these inaccuracies directly with [ Name of Company/Creditor ], no updates have been made to my credit report, and the erroneous information persists.

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 2024-11-08 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: FL

Complaint narrative:
On XX/XX/year> I requested lawful verification to validate NETCREDIT proof of claim. To date I have yet to receive any lawful verification or any original documentation in support of their claim. I am a consumer a natural living man and i have XXXX given rights and rights under the FDCPA, FCRA and other applicable laws. Transunion is in violation under the FCRA reporting unverified information on my credit file. I hereby put Transunion on NOTICE of their dishonor violating my consumer rights under the FCRA for failure to lawfully verify information reported by XXXX. If Transunion do not remove or delete unverified information from my credit file after notifying Transunion of such unverified information. Transunion will be in violation under the FCRA for willful noncompliance and/or negligent noncompliance under the FCRA. This is your FINAL NOTICE to remove or delete unverified information from my credit file or I will file a federal lawsuit or arbitration to resolved harm caused.

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 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX mi XXXX I am writing to formally express my dissatisfaction regarding the recent closure of my Chime account and the retention of my funds totaling {$9000.00}. I believe this action was taken without proper justification, and I would like to provide my account of the situation. 

On XX/XX/year>2024, I was informed that my account was closed due to identified loads. However, I have evidence supporting that the funds deposited into my account were legitimate, specifically from the sale of my car. I have attached the relevant documentation to substantiate my claim. 

As a loyal customer, I find this situation concerning and unjust. I kindly requested a detailed explanation of the reasons behind the closure of my account without refund and an immediate resolution regarding the retention of my funds. But what not helped Please respond to my complaint at your earliest convenience, as I am eager to resolve this matter swiftly. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: 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.

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 2024-11-08 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: IL

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : late payment 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 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 2024-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: CT

Complaint narrative:
Selene Financial debited {$3600.00} on XX/XX/XXXX as part of auto payment for mortgage. On XX/XX/XXXX, the payment was reversed but I never received the money back. I checked with my bank and there is no trace of them trying to send the money back. Now I am a month behind according to their records. I do not want to pay until this money is accounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: MD

Complaint narrative:
i have disputed 2 accounts on my credit reports-across all 3 and it keeps coming back verified, without any documentation to support their verification. The creditor continually add or delete information each time it is disputed. the credit reporting agencies are not lookin at previous credit reports prior to support my claim of unsubstantiated verifications and unsubstantiated information that is being reported. 
All XXXX of my credit reports are reflecting several different information being reported from XXXX XXXX and their supposedly original creditors. Information is constantly being updated or taken off my credit report by the creditor. this should raise a red flag as convoluted and generic information they are reporting and no one is asking for documentation to support their claims. I have noted several FCRA, XXXX XXXX and FDCPA rules that are being broken but are still being allowed to report to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I charged about {$8900.00} to my Chase acct last summer to pay for a months rent in a XXXX XXXX, FL condo for XXXX. XXXX XXXX and that condo were wiped out by a hurricane. XXXX refunded my money back to my Chase credit card. All outstanding debts were paid by XX/XX/XXXX, leaving a credit of {$8200.00}. When I soon after attempted to retrieve that money and close the acct ( still open until this is resolved ), Chase promised my a check in the mail within 7-10 days. It never came. After 14 days, I returned to the bank and asked for my money. They said they couldnt give it to me and higher ups for have to investigate. Its a stall tactic. The local bank tried to get an overnight check mailed to me, but higher ups would not provide a tracking number..failed again. The locals totally get it. Ive waited now over three weeks for my money and still dont have it. Am feeling robbed, exploitedas a XXXX XXXX XXXX woman. No one should have to go through this to get money that is theirs in a local acct. Pls help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-11-08 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: PA

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft and to request the immediate blocking and deletion of all fraudulent accounts and inquiries listed below from my credit report, pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). My personal information was compromised as a result of a recent data breach, leading to unauthorized accounts and inquiries being reported under my name. 
I respectfully request that you block and permanently delete the following accounts from my credit file : Fraudulent Accounts : XXXX XXXX  XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$55.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$13.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$490.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$780.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$420.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$320.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1200.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$730.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$760.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$250.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$140.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$460.00} Fraudulent Inquiries : XXXX. XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX  o Date of Inquiry : XX/XX/XXXX XXXX. XXXX  o Date of Inquiry : XX/XX/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 2024-11-08 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:
Consumer Name : XXXX XXXX, Consumer Social Security NumberXXXX, Consumer Date of Birth : XX/XX/1971, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX .... 
XXXX .... 
XXXX XXXX XXXX .... 
XXXX XXXX XXXX .... 
XXXX XXXX .... 
XXXX  XXXX .... 
XXXX XXXXXXXX .... 
XXXX XXXXXXXX .... 
XXXX  XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief