vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit reports from all three major credit bureaus and discovered significant inaccuracies. Experian has an incorrect Social Security number listed for me, which, upon further investigation, appears to have been incorrect for a long time. XXXX and XXXX are also reporting inaccurate information, including debts that do not belong to me. 

I have already sent proof of my correct Social Security number, along with evidence that the addresses, phone numbers, and debts reported are incorrect. Despite this, the erroneous information remains on my credit reports. This has adversely affected my credit score and has led to denials of credit. 

I urgently need your assistance to rectify these issues and to conduct a thorough investigation. I have also placed an identity theft notice with the IRS. It is critical that all incorrect data be removed from my credit reports and that accurate information is reported promptly. 

If this matter is not resolved swiftly, I will consider seeking legal counsel and pursuing further action against all three credit reporting agencies.

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 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I made two transfer from my credit karma money account into my XXXX XXXXXXXX XXXX  account. 

I made one instant transfer of {$730.00} And one standard transfer of {$1000.00} The instant transfer asked for my debit card information while the standard transfer was sent to my bank account directly. 

I NEVER received the instant transfer of {$730.00} dollars into my XXXX XXXX account. 

The {$1000.00} standard tranfer got to my account 2 days later. 

I have been disputing and appealing this since XX/XX/XXXX. 

Multiple people I have spoken to have admitted to me that this case is concerning and that they dont know where my money went. 

In an edition to that, I believe this was a glitch on the websites part considering the daily transfer limit is {$1000.00} so how was I able to transfer XXXX? 

Ive spoken to my bank and they have no record of that transaction. When I ask credit karma to tell me what bank or what account the money went into they tell me they do not have any information on the receiving institution but then how can they say that my financial institution confirmed receiving the money? 

At this point I have spoken to 10 different people who keep telling me a supervisor will call me or email me but it never happens. 


It is extremely unfair that I am having to deal with their mistake. 

I have not been able to pay my rent because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in XXXX  accounts, which is quite concerning to 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 2024-08-07 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:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-08-07 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: CA

Complaint narrative:
equifax claims that these account have been verified In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611 provide the names and business addresses of each individual with whom you verified the information so i can follow up. Please send me an updates copy of my credit report after your reinvestigation account XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX  account XXXX XXXX

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

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX 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 2024-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
After a lengthy process, PHH agreed to remove escrow impounded account verbally towards the end of XX/XX/year> but a letter was issued that it will be effective XX/XX/year> XXXX payment was received for principle and interest total {$1400.00} with a bank statement showing an escrow deposit of {$1000.00} for XXXX escrow payment in a new account we set up in my name to be the new escrow account that is replacing the mortgage escrow account that has been approved for removal XXXX XXXX which was due at the time its payment was received has not been applied to XXXX principle or interest. Instead it was broken up and distributed as fees, expenses and principle curtailment and the rest put in an escrow account even though it will be closed in a few days Now they are demanding another payment duplicating XXXX already paid but also increased for the full escrowed amount of {$2400.00} which will bring the total funds demanded for XXXX {$3800.00} which exceeds the amount actual of {$1400.00} Added to this XXXX escrow payment of {$1000.00} has already been taken from payments even though they will refund it back after escrow closing The date of escrow closing of XX/XX/XXXX is for the purpose of their goal of extracting as much unreasonable fees and expenses as they can before giving up escrow impound which has been abused for years by never refunding any overpayments ever and this year the over payments would have been {$1500.00} therefore they are now attempting to extract as much funds from us while they can before they are forced to close that door of opportunity for exploitation Loan to property value is $ XXXX {>= $1,000,000} According to pillow and according to county tax accessors assessment is $ XXXX {$720000.00} Which is triple and double the loan value which in CA regulations state that phh should not have been forcing escrow impound to begin with meaning their demands for overpayment of monthly payments have been incorrect for years and the fact they approved in writing the removal of escrow should not allow applied payments to be credited to anything other that principle and interest first priority then any fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
First National Bank of Omaha is attempting to collect a debt that they know from previous complaints is felony identity theft.

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 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
ON XX/XX/2024 @ XXXX i was stopping at a local XXXXXXXX XXXX XXXX to use the bathroom and get some cash from the XXXX XXXX  that is located in the XXXXXXXX XXXX XXXX located at XXXX XXXX DE XXXX XXXX XXXX XXXX As i was using my chime card to attempt to get funds out of the ATM MACHINE In the amount of {$200.00}, I noticed after putting in my card pin that the atm was not disbursing any funds as it was making the disbursing sounds. after waiting for 5min the atm appeared to display a atm error transaction indicating that the transaction was declined. 

however on my chime transaction history it appears as if it was successfully able to make the transaction but indeed was not able to received my funds. 

I soon then reported it to chime and filed a dispute, but chime soon denied the dispute regarding this urgent matter. this is the second dispute that was denied wrongfully

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems is harming my consumer report by placing a collection on my profile that is not true. Me and the joint owner contacted the original creditor, and we was told it was an electric bill which is also false. I have proof documented that our last electric bill was paid in full and received a refund check from XXXX XXXX  Also we moved into another property that also uses XXXX XXXX and they didnt mention anything about owing them. This inaccurate information is harming me from making future financial decisions. I have attachments below with dates attached to prove my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed an account with inaccurate information. Several payments that were made on time are not being reported accurately. The consumer reporting agency is required to report all information accurately. This account has never had late payments. 

I have attached a copy of my report to this complaint. I am requesting an investigation and verifiable proof showing records of any late payments. If this information can not be verified, I demand that these payments be updated to reflect their on-time status immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed an account with inaccurate information. Several payments that were made on time are not being reported accurately. The consumer reporting agency is required to report all information accurately. This account has never had late payments. 

I have attached a copy of my report to this complaint. I am requesting an investigation and verifiable proof showing records of any late payments. If this information can not be verified, I demand that these payments be updated to reflect their on-time status immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I have provided my photo ID along with the other required documents.

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 2024-08-07 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: VA

Complaint narrative:
This is my last notice before I move to litigation. You are reporting fraudulent accounts on my credit. Never had these accounts. I have already reported these fraudulent 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 non-monetary relief
Consumer complaint received 2024-08-07 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I never applied for an account with your financial institution and for that reason all accounts appearing on credit reporting is considered fraudulent. Within federal laws governing credit reporting, each account should be carefully investigated and removed effectively. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: TX

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 2024-08-07 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: CBC Companies, Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-07 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: FL

Complaint narrative:
Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights.

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 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
XXXX - XXXX PayPal restricted my account due to some transfers I received between XX/XX/year> and XXXX which were from my clients because I work in the field of graphic design, this is not the first time but the second maybe the third, they asked me for my identity information, the bank, an explanation of these transfers, and I confidently and happily gave them everything, and I gave them the last bank I transferred the amount to as well, which is XXXX of my banks But suddenly on XX/XX/XXXX they restricted my account completely, now I can not receive my salary, nor work, everything is stopped, and my daughter has an operation in XXXX months, the amount is XXXX XXXXd and I have been working hard for this number, and because of PayPal 's reckless decision and restricting my account without finding an illegal work that violates their laws, I am unable to pay the costs I demand PayPal take another look at what I sent them, or request correction and clarification of what they see as violating their requirements, and I will give them I will gladly do it, within XXXX days or a week, not months like last time because it is a matter of life or death.

Company response to consumer: Closed with explanation