vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 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: MI

Complaint narrative:
More than 30 days ago, On XX/XX/XXXX, I sent out dispute letters to TransUnion disputing several inaccurate and outdated personal information. Because you've failed to resolve this matter, The FCRA ( Fair Credit Reporting Act ) requires that you delete these items from my credit report. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestment under paragraph ( I ) 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 ( ii ) Promptly notify the furnisher of that information that the information has been deleted from the file of the consumer. 

These inquiries were not authorized please remove them from my credit report immediately : -JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MI

Complaint narrative:
I was denied an extension of credit and was provided information that sagestream was the responsible party for the denial. I then proceeded to file a claim against them with the Consumer Financial Protection Bureau. I never gave them consent to contact me, I never gave them consent to use my information, and I never contracted with them. They, also being lexus nexus, stated in a letter they sent me just recently, without my consent to do so, that they could not verify my information because the context of what I was asking for was not in their database and that I did not give enough information for them to work with. They then proceeded to ask for all my information. I will not be providing them with anything seeing as how I never contracted with them, yet they sem to have enough information about me to be worthy to deny me an extension of credit. How can they contact me stating they don't have my information? XXXX  .how did they get my address? How can they being a determining factor in an extension of credit if they admit they don't have my information?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-09 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:
Kindly update my account this causing me a lot of stress and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: IL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-05-09 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: FL

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.

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 2024-05-09 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: Chime Financial Inc
State: FL

Complaint narrative:
I used my card at an atm. The ATM lost power. I did not get my money. I filed a dispute over a month ago. I have provided chime with a statement from the ATM owner, filed a complaint with the XXXX. In that complaint Chime was present a charge back settlement saying I should be credited XXXX. They are refusing to speak with me or credit my money. 

I have been been hung up over 56 times. This company has no interest in resolving my problem or giving me my money back even though I have given them everything they need to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2024 I received a call from XXXX XXXX. She told me that there was an urgent legal matter, and that I needed call another number to find out what it was. She also gave me a case number. 

I then called the number XXXX. A XXXX XXXX answered and told me they were trying to collect a debt. They would not give me any information other than it was from XXXX XXXX  and the amount I owed. She told me that I would be going to court unless I settled at 50 % of what was owed. She said her company was XXXX XXXX. I gave her my email so she could send me the documentation to review. 

I got a XXXX XXXX with very little information, as well as a space to put my credit card number. I did not do this and instead researched my credit information. My credit is completely clean. 

On the document it had a website : XXXX  This website does not exist. 

I then emailed her XXXX XXXXXXXX and told her that this information they had is not correct and that they needed to supply more documentation. The XXXX XXXX was then cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XX/XX/XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
These car dealerships lied to me saying I was approved for a car loan, but ended up telling me 2 hours later that Im not approved. They also ran my credit through so many banks that I did not approve of. I felt pressured through the whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: AZ

Complaint narrative:
I mailed a letter on XX/XX/XXXX to these companies asking them to investigate these incorrect reportings. The time frame in which they have to investigate and re report correctly has expired. 

Im filing this complaint to expedite the process, for my consumer rights have been violated and these companies need to be held accountable for their misreporting. 

Your attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Aspen Yo LLC
State: OK

Complaint narrative:
Name change : XXXX XXXX, no longer XXXX I contacted my mortgage servicer after being told that I owed for a XXXX mortgage payment. I told them that one of my partial payments was not showing up on their website. Afterwards, I was sent a listing of partial payments that had been made to my mortgage and realized that some of my payments were applied to the principle and not the mortgage.Gregory funding, my services, was also charging me late fees. I informed them that I did not owe and found on their listing that payments dated XX/XX/XXXX and XX/XX/XXXX for {$170.00}, payment dated XX/XX/XXXX for {$170.00} plus XXXX late charges totaling {$75.00} had been misappropriated and applied NOT to the mortgage but to the principle. I asked them to review my payments and apply them where they need to be. I was told that I need to make a full payment of {$370.00} before XX/XX/XXXX or late fees will be applied. I do not owe a XXXX payment and I find it difficult to understand how XXXX of more than XXXX  years of monthly partial payment were misappropriated. Please help me correct this. Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
Kindly eliminate these inquiries. I am unaware of them, and the company acted without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Future Judgement Solutions
State: GA

Complaint narrative:
Please be advised, Future Judgement SolutionsXXXX XXXX XXXX &, XXXX XXXX calls me mutilpe times a day, They contuine to threaten to sue, or leave messsge about a debt that doesn't belong to me.I also asked for them to stop calling me XXXX XXXX and they have still continued to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: NJ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tenaglia & Hunt, PA
State: VA

Complaint narrative:
On XX/XX/XXXX my husband and I found out a lien was placed on our joint bank account. On XX/XX/XXXX we found out it was from XXXX XXXX XXXXXXXX for a XXXX XXXX which we have never had. Apparently the credit card was opened in XXXX using my social and my address and it was closed in XXXX. The attorneys who filed garnishment could not find my name on file. Neither could XXXX XXXX XXXX. I asked to claim fraud or identity theft and was told to contact the Credit Bureau... .the Credit Bureau said that they cant file a dispute on something that doesnt exist ... .nothing regarding this credit card has ever shown up on my credit report. I go to court tomorrow for a garnishment exemption hearing but then what? Does the Virginia statute of limitations come into play?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Throughout, I've made it a priority to ensure timely payments on this account, avoiding any instances of overdue balances. However, I'm uncertain about the rationale behind the appearance of late payment notations on my records. As per 15 USC 1666b - Billing Error, this issue ought to be addressed.

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 2024-05-09 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: ID Analytics, Inc.
State: MI

Complaint narrative:
I was denied an extension of credit and was provided information that sagestream was the responsible party for the denial. I then proceeded to file a claim against them with the Consumer Financial Protection Bureau. I never gave them consent to contact me, I never gave them consent to use my information, and I never contracted with them. They, also being XXXX XXXX, stated in a letter they sent me just recently, without my consent to do so, that they could not verify my information because the context of what I was asking for was not in their database and that I did not give enough information for them to work with. They then proceeded to ask for all my information. I will not be providing them with anything seeing as how I never contracted with them, yet they sem to have enough information about me to be worthy to deny me an extension of credit. How can they contact me stating they don't have my information? ... .how did they get my address? How can they being a determining factor in an extension of credit if they admit they don't have my information?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
Someone was able to use my personal information to purchase a XXXX cell phone in my name with a company call XXXX XXXX and sent over to a collection company name XXXX XXXX XXXX I have tried to dispute this but nothing has happen...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
A XXXX XXXX report unauthorized by hitting my credit account, I have no idea who they are or what I would have any connection with. It is falsely accused

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 2024-05-09 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'm feeling troubled, unhappy, and XXXX regarding the developments in my credit eport. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.

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 2024-05-09 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: GA

Complaint narrative:
Last year in XXXX starting XX/XX/XXXX I was on my house/townhome journey. I started my XXXX application with a lender and with a XXXX grace period I shopped around with other lenders. I was told that I had a XXXX time frame to shop around with lenders so it wouldn't affect my credit or credit score. But i didn't know that they would all show up on my credit report as hard inquiries. I was told they weren't supposed to show, only the XXXX lender I shopped with and as long as the others were within the small timeframe window that they're not supposed to show up as hard inquiries nor hurt my credit score and they have. So, all the hard iquiries in XXXX of XXXX should be removed immediately from all XXXX credit bureaus. I don't know what XXXX is, I never applied through this company. I did apply for the XXXX XXXX XXXX  so I understand why that hard inquiry is there. 



XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-05-09 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: WA

Complaint narrative:
I have got mixed-file issues with Experian XXXX  times since XXXX, I don't have issues with XXXX or XXXX. I saw accounts, inquiries, public records, names, addresses and phone numbers that didn't belong to me. In XX/XX/XXXX, I even saw XXXX or XXXX names under the name section. I tried to contact XXXX of the people who had been mixed-file with me through their phone numbers on my credit report, XXXX lived in the same apartment as me but with a different room number and the other went to the same university as me and have a mailbox in the same building as me ( different number ). Neither of them have a ssn at the time I called, while I have XXXX. The mixed-file issue has been hurting my credit score, and it's hard to detect if I don't check my credit report manually. 
The reasons I want to file an complaint are XXXX ) This issue is happening again and again, this year in XXXX, I found the issue in XXXX ( not sure when it happened ) and submitted a dispute through phone call. I checked again in XXXX and found new mixed people and some names who should have been deleted by last dispute, it's still there. I submitted another dispute. But then I checked again in XXXX, and there are still names that haven't been removed. 
XXXX ) Representatives from Experian refused to explain the reasons and prevent this problems from happening again. I have spoken to multiple representatives from dispute, fraud, mixed file departments. They either said they didn't know, or suggested me to set up a fraud alert on my credit report, even after I explained that I thought this's a mixed-file issue. The lady from mixed-file department said she didn't think this's a mixed-file issue, because she didn't see any other ssn ( the XXXX people I contacted didn't have ssn, and some information had been removed after my previous calls ) and hanged up my call before I finished my sentence. I've tried a few times asking for a cause why I got mixed file multiple times and only with Experian, and if there was anything I or Experian could do to prevent or reduce the possibility for this to happen again, but couldn't receive any response from Experian.

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 2024-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There is a XXXX. Charge in XXXXXXXX XXXX XXXX XXXXXXXX XXXX  by XXXX XXXX bank of America card. That's fraud!! XXXX at BofA headquarters XXXXXXXX XXXX. is supposed to be working on it he is not!! Please send letter to him!! 
Also m and t sent check out for XXXX. To XXXX XXXX XXXX XXXX That must go to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX!! 
XXXX XXXX and carry XXXX stole XXXX. From me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please send letter to XXXX XXXX XXXX XXXX  headquarters in 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 monetary relief
Consumer complaint received 2024-05-09 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 want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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