vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: T.S. Holdings
State: FL

Complaint narrative:
XXXX XXXX. Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days after the review this complaint. This fraudulent false information consists of a collection account opened at DATA IQ INTXXXX XXXX XXXX XXXX XX/XX/year>, under the account number ( XXXX ). This account has resulted in a fraudulent collection appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned collection as reported. The collection appearing on my consumer credit report were not opened, made, or initiated by me. The collection is a result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX XXXX ) as proof from the XXXX Federal Trade Commission that the consumer collection is the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: SC

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-05-16 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: SC

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-05-16 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: VA

Complaint narrative:
These Accounts are reporting fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: PA

Complaint narrative:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: NY

Complaint narrative:
Incorrect information/ Non-compliant reporting

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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Service company XXXX XXXX XXXX charged my Macys XXXX XXXX credit card with out my authorization either written or verbal for services in the amount of {$190.00} which I also did not approve and they charged my credit card only because they had my credit card on file in their computer system. 

Regardless of the history and dispute details between me and XXXX XXXX XXXX, I did not authorize the charge on any type of payment method. 

XXXX XXXX XXXX  can pursue the alleged charges further or try and negotiate with me as I do not agree with the services rendered. XXXX XXXX XXXX can take me to court for which I would provide proof and history of the dispute between me and XXXX XXXX XXXX 

Macys XXXX XXXX personel were provided with some history and information of the dispute between me and XXXX XXXX XXXX  as a courtesy but IN ESSENSE XXXX XXXX XXXX  DOES NOT HAVE my written authorization to have charged my credit card and Macys XXXX XXXX XXXX did not request such documentation ( written approval for work order ) BUT STILL found the dispute AGAINST my best interest with out proper investigation or receiving such documentation. 

If XXXX XXXX XXXX  is able to provide my written authorization for services rendered then I would not have a case here nor I would have disputed the charge and Macys XXXX XXXX XXXX failed to provide me with such documentation as they have failed to properly investigate on other requests made by me for which I had to report as well to CFPB. Further more, charging a credit card with out having the credit card present or with out having a written authorization for a work bill is fraud which is a crime under Penal Code Sections 484e484j

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 monetary relief
Consumer complaint received 2024-05-16 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to have the following information in my file removed. These items listed below need to be removed immediately. I am a victim of identity theft and did not make any of these unrecognizable charges. I ask that the items be deleted from my credit report as soon as possible. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I urgently request the items to be removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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:
Hello, my name is XXXX XXXX, I am writing to have the following information in my file removed. These items listed below need to be removed immediately. I am a victim of identity theft and did not make any of these unrecognizable charges. I ask that the items be deleted from my credit report as soon as possible. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I urgently request the items to be removed as soon as possible.

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 2024-05-16 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: NC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion responded with info about a fraudulent collection action placed against me for a Rental liability which is not my responsibility. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Placed for collection on XXXX Balance of {$36000.00} involving creditor XXXX XXXX XXXX XXXX XXXX I have been living in my own home since XXXX. I have never rented or leased from XXXX at XXXX XXXX. 

Disputed this with TransUnion

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 2024-05-16 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: IL

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Investigation of unauthorized inquiries While checking my credit report, I noticed an unauthorized inquiry had been made from XXXX XXXX XXXX XXXX  on XX/XX/2023 I have tried to contact the concerned organization, that conducted the inquiries and asked them to remove credit inquiries from my credit profile. I have asked them to cease their illegal activities with immediate effect but with no results. Since I sent the letters more than XXXX business days ago, they have failed to respond to and honor my request. I am forced to request your help in resolving this matter. By the Fair Credit Reporting Act, I request that you start an investigation into the matter. After the investigation is complete, if you find my allegations to be correct, please remove the unauthorized inquiries and send me a fresh copy of my credit report at my current address. If you find the inquiries referenced above to be correct, kindly send me a description of the operation used in your investigation within XXXX business days of the completion of the re-investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: IL

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-05-16 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: IL

Complaint narrative:
Consumer Financial Protection Bureau Subject : Dispute of Derogatory Accounts and Credit Inquiries Due to Identity Theft To Whom It May Concern, I am writing to formally dispute multiple derogatory accounts and credit inquiries listed on my credit report, which I believe are a result of identity theft. Enclosed are copies of the relevant documents supporting my claim, including a police report and fraud affidavit. 

Below are the details of the accounts and inquiries in question : **Derogatory Accounts : XXXX XXXX XXXXAccount Name : XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : [ Account Number ] - Date Reported : XXXX. XXXX, XXXX - Balance : {$880.00} - Remarks : Charged off as bad debt, In Collections/Charge-off XXXX. **Account Name : XXXX XXXX XXXX XXXX Account Number : [ Account Number ] - Date Reported : XX/XX/XXXX - Balance : {$640.00} - Remarks : Placed for collection 3. **Account Name : XXXX XXXX XXXX  - Account Number : [ Account Number ] - Date Reported : XX/XX/XXXX - Balance : {$260.00} - Remarks : Account information disputed by consumer 4. **Account Name : XXXX XXXX XXXX - Account Number : [ Account Number ] - Date Reported : XXXX. XXXX, XXXX - Balance : {$1800.00} - Remarks : Placed for collection 5. **Account Name : XXXX XXXX XXXX - Account Number : [ Account Number ] - Date Reported : XXXX. XXXX, XXXX - Balance : {$2500.00} - Remarks : Account information disputed by consumer **Credit Inquiries : ** 1. **Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX 2. **Creditor : XXXX XXXX XXXX* - Inquiry Date : XXXX XXXX, XXXX I request that the Consumer Financial Protection Bureau investigate these accounts and inquiries and take appropriate action to rectify the situation. I have reported this identity theft to the relevant authorities and have also contacted the creditors associated with these accounts. 

I affirm that the information provided in this letter is true and accurate to the best of my knowledge. Enclosed are copies of the supporting documents for your reference. 

Thank you for your attention to this matter. I anticipate your prompt response and resolution of this dispute. 

Sincerely, 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 2024-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH

Complaint narrative:
My mortgage loan was recently originated. The servicing was sold and transferred to Lakeview Loan Servicing. Within their disclosure process, upon transferring ( and in subsequent payment statements ), they have been showing a payoff statement fee of {$60.00}. This is a junk fee of the truest extent and should be considered an unfair and abusive charge under UDAAP.

I didn't choose them as a servicer, so I could not avoid this as an expense up front. There is a reasonable expectation that borrowers will refinance their loans during the life of the loan, in particular when rates are as high as they are. Thus, I was clear even during the originations process that I had planned to refinance the loan once the entirety of the process was completed. Once again, when you put these 2 items together, it is not reasonable that this is an avoidable fee given the line of work they are in. This is a true junk fee that should not be permitted to be charged. 

Most mortgage borrowers refinance their loan during the life of the loan. This is a common practice and borrowers should not be discouraged or prevented from doing this due to unfair fees being charged, of which, I'm sure have some level of discriminatory impact.

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 2024-05-16 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: IL

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving 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 non-monetary relief
Consumer complaint received 2024-05-16 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: IL

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XX/XX/XXXX and distress they are causing me.

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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This is a supplement to Complaint XXXX, which American Express has still not addressed. They are now trying to charge me a {$29.00} late fee on a balance that is not owed per that complaint and the supplemental information supplied. 

Please see attached screenshot of the latest " statement. '' Their system is automated and doing this by default, but it is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX in full XXXX for {$3900.00} made to Capital One for account XXXX XXXX XXXX Confirmation code : XXXX XXXX Capital One rejected payment- Returned Online XXXX XXXX XXXX XXXX Balance in full Payment for {$3900.00} made to Capital One for account # ending XXXX. Confirmation code : XXXX XXXX Capital One rejected payment- Returned Online XXXX XXXX XXXX XXXX  Capital One charged {$29.00} Past Due Fee XXXX Capital One closed account # ending XXXX. 

XXXX XXXX in full, minus {$29.00} past due fee, payment for {$4000.00} made to Capitol One for account XXXX XXXX XXXX Confirmation code : XXXX XXXX Contacted Capital One regarding rejected payments and found account had been closed. Spoke with representative who would only read a script stating account was closed in accordance with contract with Capitol One. 

XXXX repeated same script and refused to provide any contact information on how to escalate to XXXX or XXXX response/complaint department. XXXX refused to give name or agent ID #. Stated there was not other option and disconnected call. 

Contacted XXXX agent with Capital One, verified account information from online payment was correct with bank and processed payment over the phone. 

Asked agent to waive past due fee for {$29.00} based on system error and was denied the request. XXXX stated there was no other department to assist with complaint for waiving {$29.00} fee or reopening account based on system error. 

XXXX XXXX for {$4000.00} cleared bank.

Company response to consumer: Closed with monetary relief