vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 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: MI

Complaint narrative:
I hope this message finds you well. Despite our previous correspondences and the efforts made thus far, it appears that the fraudulent items remain unresolved. 

As I have communicated previously, these fraudulent entries are causing significant distress and negatively impacting my financial standing. It is imperative that we take immediate action to rectify this situation and remove these inaccuracies from my credit report. 

I understand that resolving cases of fraud can be complex, but it is crucial that we work together to ensure the accuracy and integrity of my credit report. I urge you to escalate this matter and take all necessary steps to thoroughly investigate and remove these fraudulent items from my credit report. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all three CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by 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 2024-04-29 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: GA

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all three CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by 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 2024-04-29 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: LA

Complaint narrative:
There are a couple of medical bills on my credit report that I don't recognize. I notified the credit bureaus of this and I also reached out to the debt collector that reported them and nothing has happened. I asked for validation and neither of them were able to but they are still reporting the accounts on my report.

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 2024-04-29 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 have try to dispute this information asking for an application with my signature. They sent some information that has two different names. XXXX XXXX XXXX and XXXX XXXX. This is very confusing. Without the application with my signature to verify my real name that paperwork does not help it confuses things I want an application with my signature or remove this from my credit report

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 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
My account at the close of business day had XXXX cents according to my account statement. I have screenshots of the account before and after the settlements posted. Chime steals money by holding settlements after they have already been deducted from your account and then they deduct them again. I have contacted there customer service presented my evidence and they still will not update my account balance. Very frustrated. Don't know if you can help me get my money back this is just one particular time that I caught them I'd like for the whole account to be reviewed. The dates in question are XX/XX/XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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:
I sent the 3 credit bureaus a letter asking them to delete this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated this thing in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly delete the following account : 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 2024-04-29 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: FL

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to delete this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated this thing in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly delete the following account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I refinanced my mortgage. The new mortgage company sent me XXXX checks to pay off credit accounts and loan accounts. I sent both checks to XXXX separate companies on XX/XX/XXXX. XXXX weeks later I received verification from my mortgage company that both checks had been cashed by both companies. One of the companies posted the funds to the account immediately. Citibank however has not posted the funds yet. They cashed the check on XX/XX/XXXX. It's is XX/XX/XXXX and they have still not posted the funds to the account. I have called multiple times however, they seem to have difficulty locating my account and/or they keep sending me to XXXX or XXXX different departments and then I have to explain all over again what my issue is and then they send me to someone else. They have cashed a check for {$14000.00} but they can't seem to find the funds. I have proof they have cashed the check but when I ask for an email address to send them the proof, they say I can only mail it. I am not living in the XXXX and mailing this proof is not feasible or reasonable and I have to call them from overseas every time which takes an enormous amount of time and I also have to wake up at XXXX XXXX to reach them. When I ask for higher up supervisors to help, I was told that they can't provide that information to me. They refuse to open an investigation into where the funds are. I can not get any help with this. They have my money, I have proof they have my money. They won't provide me a quick and easy way to show them this proof and furthermore, why am I having to prove to them that they cashed my check? They are making me jump through hoops when I have done the right thing and paid my debt in good faith. I sent the check in good faith and they are holding my funds while also charging me interest every day on the loan. I want my money found, I want my account paid off and I want reimbursement for any interest that has accrued on both the personal loan and the credit card accounts that this check was meant to pay off. I am also paying interest on the money itself since it is payout funds from the refinancing of my mortgage. This should not be legal or acceptable for them to do this to their customers on any level. The amount of stress and XXXX XXXX  I have experienced is causing me health issues.

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 2024-04-29 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The following addresses need to be removed from my credit profile as I have no association with them and the employer should be blank. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX, NC XXXX The following Employers Need To Be Removed : XXXX XXXXXXXX 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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 


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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous communication regarding the late opening of my accounts. Despite our previous correspondence and the efforts made thus far, it appears that the issue of late open accounts has not been resolved satisfactorily. 

As a valued customer, the delay in opening my accounts has been a source of inconvenience and frustration. I understand that resolving such matters can take time, but it is crucial to ensure that my accounts are opened in a timely manner to access the services and benefits associated with them. 

I kindly request that you escalate this matter and take all necessary steps to rectify the situation promptly. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$81.00}.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous communication regarding the late opening of my accounts. Despite our previous correspondence and the efforts made thus far, it appears that the issue of late open accounts has not been resolved satisfactorily. 

As a valued customer, the delay in opening my accounts has been a source of inconvenience and frustration. I understand that resolving such matters can take time, but it is crucial to ensure that my accounts are opened in a timely manner to access the services and benefits associated with them. 

I kindly request that you escalate this matter and take all necessary steps to rectify the situation promptly. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$81.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I filed XXXX complaints back in 2020 because PHH mortgage routinely fails to provide access to my online account, does not accommodate online payments in order to increase the amount interest charged on loans. 

For the last year I have called several times requesting access to my online account, I am told " They aren't accepting new online registrations '', I have previously been registered. " The website is down for maintenance '', this period lasts months, " We will forward you request to our technical team '' that takes a week, and then they provided a letter saying I had access then requiring an email confirmation that they never send. 

Without the email code I can't get into the account. Even if I could I can't make a payment that has to be sent via snail mail so that they collect interest. 

This is an ongoing deliberate practice of keeping consumers from having access to their mortgage account, to force people to pay unnecessary interest, and to delay consumer access to the most important financial account most people have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have XXXX fraudulent credit cards reporting on my credit report, XXXX and XXXX XXXX 

I didnt give anyone permission to open these cards. I have the police report and FTC report. I have XXXX fraudulent inquiries on my XXXX report and XXXX on XXXX report. 15 USC 168

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 2024-04-29 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: MI

Complaint narrative:
I have two fraudulent credit cards reporting on my credit report, XXXX  and XXXX  XXXX. 

I didnt give anyone permission to open these cards. I have the police report and FTC report. I have 8 fraudulent inquiries on my experian report and 5 on XXXX report. 15 USC 168

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 2024-04-29 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: Credit Karma, LLC
State: FL

Complaint narrative:
XX/XX/XXXX Credit Karma , Inc., XXXX and XXXX credit bureaus were contacted via mail informing the companies of my decision to opt out pursuant to 15 USC 6802, 16 CFR 313.7, and the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: OH

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. 

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, 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 non-monetary relief
Consumer complaint received 2024-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My rights are being violated under the Fair Credit Reporting Act. I am an identity theft victim. Kohls was notified of such. They did not investigate and have refused to assist me with the matter. I have submitted disputes however, they fail to investigate, communicate with me and properly notify me of updates. I recently submitted a dispute via XXXX and Kohls proceeded to add derogatory information to a charged off account. I have attempted to ask this company to assist me with resolving the status of my account because I am a verified identity theft victim. Kohls is RETALIATING against me for asserting my rights as an identity theft victim. I do not understand why I am being penalized as I understood the law were supposed to be designed to assist identity theft victims. I am not the recipient of such assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: SC

Complaint narrative:
Please take a look at my reports and take a look at my carefully crafted documents take a look at your specified letter if you're TransUnion look at the document stated TransUnion each file corresponds to its respective bureau now the law states each bureau should have the exact same information dates and balances showing, the banking system depends on it but currently I'm unable to get approved for anything because of all the errors showed on my reports I ask that you not use e-oscar and carefully have someone go through each and every line item to ensure these companies batch data is accurate, if not remove it and tell the companies to try again next month I refuse to bare the weight of inaccurate data that's not carefully reported it is not a reflection of me nor my character.

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