vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/scrub>XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX a rental lease account opened at XXXX XXXX  XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2024-12-30 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: NJ

Complaint narrative:
I noticed discrepancies in my credit report regarding late payments. These errors do not align with my usual payment record. Kindly fix these mistakes and update my account details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: TN

Complaint narrative:
Subject : FCRA Dispute Regarding XXXX XXXX Account I am writing to formally dispute the information being reported on my credit file regarding the account with XXXX XXXX. Below are the details of the account in question : Account Name : XXXX XXXX Last Reported Balance : {$1100.00} Credit Limit : {$800.00} Opened : XX/XX/year> Payment Status : Charge-off Dispute Details : The reported balance of {$1100.00} exceeds the stated credit limit of {$800.00}, indicating either an error in the reporting or account management. 
The payment history reflects a 3 % on-time payment rate ; however, detailed verification of this information is required to confirm its accuracy. 
The account 's " charge-off '' status lacks supporting documentation to substantiate this claim. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting of information. Please conduct a thorough investigation into this matter and provide the following : Evidence of how the reported balance and payment history were calculated. 
Documentation validating the charge-off status. 
A complete list of actions taken to verify the accuracy of the information. 
If errors are confirmed, I request an immediate update and correction of my credit file to reflect accurate and complete information. Additionally, I expect written confirmation of any changes made to my report. 

Please be advised that failure to resolve this dispute promptly may result in further actions to protect my rights under the FCRA. I appreciate your prompt attention to this matter and look forward to your response within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: TN

Complaint narrative:
Subject : FCRA Dispute Regarding XXXX XXXX Account I am writing to formally dispute the information being reported on my credit file regarding the account with XXXX XXXX. Below are the details of the account in question : Account Name : XXXX XXXX Last Reported Balance : {$1100.00} Credit Limit : {$800.00} Opened : XX/XX/year> Payment Status : Charge-off Dispute Details : The reported balance of {$1100.00} exceeds the stated credit limit of {$800.00}, indicating either an error in the reporting or account management. 
The payment history reflects a 3 % on-time payment rate ; however, detailed verification of this information is required to confirm its accuracy. 
The account 's " charge-off '' status lacks supporting documentation to substantiate this claim. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting of information. Please conduct a thorough investigation into this matter and provide the following : Evidence of how the reported balance and payment history were calculated. 
Documentation validating the charge-off status. 
A complete list of actions taken to verify the accuracy of the information. 
If errors are confirmed, I request an immediate update and correction of my credit file to reflect accurate and complete information. Additionally, I expect written confirmation of any changes made to my report. 

Please be advised that failure to resolve this dispute promptly may result in further actions to protect my rights under the FCRA. I appreciate your prompt attention to this matter and look forward to your response within 30 days, as required by law.

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 2024-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Hi, I have been having a multitude of issues with my loan servicing and never get a response : 1- They never respond to my emails or contacts trough the website, even after the ridiculous 30 days they ask to answer any inquiries.

2- I have never received the invoices and payment details from the payments made from my Escrow account 3- They failed to pay all my interim taxes and have not reimbursed the late fees and penalties to my account after I requested payment months later 4- They are increasing my escrow payment by 50 % without a proper analysis and documentation, the statement I received by mail is incomplete and does not match the Actual numbers I have in my payment statements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
Recently, i looked at a copy of my credit report and noticed several accuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is an item i am asking you to verify that it is accurate. 
ACCT NAME : XXXX XXXX XXXX ACCT NUMBER : XXXX ACCT NAME : XXXX  XXXX ACCT NUMBER : XXXX ACCT NAME : XXXX  XXXX ACCT NUMBER : XXXX ACCT NAME : XXXX ACCT NUMBER : 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 2024-12-30 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: FL

Complaint narrative:
Recently, i looked at a copy of my credit report and noticed several accuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is an item i am asking you to verify that it is accurate. 
ACCT NAME : XXXX XXXX XXXX  ACCT NUMBER : XXXX ACCT NAME : XXXX  XXXX ACCT NUMBER : XXXX ACCT NAME : XXXX  XXXX ACCT NUMBER : XXXX ACCT NAME : XXXX ACCT NUMBER : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
IN ACCORDANCE TO LETTER SENT XX/XX/XXXX DELIVERED VIA CERTIFIED MAIL LexisNexis Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Method of Verification - Bankruptcy Information Dear LexisNexis Consumer Center , I hope this letter finds you well. I am writing to request specific details regarding the method of verification employed by LexisNexis in the reporting of bankruptcy information. I recently received information from your database indicating the presence of a bankruptcy entry on my consumer report. In light of this, I am seeking clarification on how LexisNexis verifies and validates such bankruptcy information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I requested a funds transfer on XXXX XXXX from XXXX XXXX  to my Ally Savings. 
Due to my error I gave Ally a wrong XXXXXXXX XXXX account number which I closed several years ago. I checked with XXXX  and they claim they have not received any notice to transfer funds from a closed acct. 
Ally insist that it was a transfer from Ally to XXXX, but no funds where transfered to XXXX according to their records.Yet for some reson they have a hold for {$800.00} from my savings and a hold for {$1800.00} from my XXXX XXXX. 
I have spent many hours on the phone talking with their customer service reps, and they all say the same thing, they can not figure it out. When I ask to speak with management they tell me they can not transfer to management.with no explaination as to why. 
I donot know what other ave I can take.

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 2024-12-30 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: GA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX alerted me to a hard inquiry on my Transunion credit report. The Transunion report showed the inquiry was from XXXX XXXX XXXX XXXXXXXX XXXX Bank ) and that it happened on XXXX XXXX, XXXX. I did not make any requests for credit on that date or in the week prior. I also never requested credit from this bank. I called the XXXX XXXX XXXX XXXX  and they directed me to XXXX. XXXX advised they couldn't give me any information on the inquiry but they did confirm that they didn't show an account under my name and social security #. They suggested that I reach out to Transunion. I did reach out to Transunion and they couldn't give me any more information than what I could see on my online credit report through XXXX XXXX. Transunion has asked that I submit a complaint with CFPB and include that report # in my request to have this hard inquiry removed from my credit report. I have also put a freeze on my Transunion and XXXX credit reports, as I also had a hard inquiry on XXXX for the same date but for a different retailer ( 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 2024-12-31 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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 AM A VICTIM OF IDENTITY THEFT I CHECKED MY CREDIT REPORT, THERE ARE NUMEROUS FRAUDULENT ACCOUNTS, INQUIRIES, AND ADDRESSES CREATED BY AN UNKNOWN PERSON USING MY IDENTITY, WITHOUT MY AUTHORIZATION OR KNOWLEDGE. MY WALLET CONTAINING MY, IDENTIFICATION CARDS, MY DRIVER LICENSE, AND MY SS CARD WERE STOLEN ON XX/XX/XXXX XXXX XXXX  AT MY HOME DURING MY SON 'S BIRTHDAY PARTY AND HAS NEVER BEEN RETURNED. THESE TRANSACTIONS ARE THE RESULT OF IDENTITY THEFT, AND ARE UNRELATED TO ANY TRANSACTIONS MADE BY MYSELF. I AM NOT ERRONEOUSLY REQUESTING A BLOCK, NOR HAVE I ACQUIRED GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTIONS IDENTIFIED IN THIS IDENTITY THEFT REPORT. 

EXPERIAN FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX  XXXX XXXX XX/XX/XXXX {$7500.00} REMOVE ADDRESSES RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX G XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX  XXXX XXXX XX/XX/XXXX {$7500.00} REMOVE ADDRESSES RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX  XXXX XXXX XX/XX/XXXX {$7500.00} REMOVE ADDRESSES RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX G XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2024-12-30 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
My credit report contains items resulting from fraud, none of which I ever authorized or benefited from. This situation is deeply troubling and feels like a defamation of my character. It is incredibly frustrating and disheartening to see my rights as a consumer being blatantly disregarded. I have already reported this fraud to the Federal Trade Commission, yet these fraudulent items still remain on my credit report. Its disappointing to rely on systems meant to protect individuals like me and see no resolution to the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC
State: UT

Complaint narrative:
Back in XXXX of 2024 I was Contacted by titlemax in XXXX multiple times back to back regarding a payment reminder. They contacted me XXXX times in XXXX day to harass me about my payment that wasnt even due at the time. I asked Them to stop calling, texting and emailing. The following month in XXXX they reached out XXXX about a payment that wasnt due. When I asked why they are contacting me, they hung up and will not answer my calls. Everytime I did Get through they would end the call ( each time it was a female ) I filed a complaint and never heard anything. 

XXXX I reached out about my account and my options as far as giving the car back and the steps, XXXX didnt like my questions and hung up on me. I called And filed another complaint with the company and their solution was to put me back in the Que to call the XXXX store again. I contaxted The store and supervisor XXXX answered and he assisted but then told me there was a store manager but he didnt know his name. XXXX Said he was the store supervisor and when I asked Him how he didnt have that information he said he couldnt give me information on people he didnt know. I asked For their store manger name. They put me in hold and the call disconnected.. I called The XXXX location and they told me the stores manager was XXXX. They are extremely unprofessional and I cant Seem to get assistance without them just hanging up due to my questions. The cooperate line has stated they cant help me with my account only complaints. At this time no one will help me and Im super upset.

Also included how many times Ive called today to get these answers because thats what cooperate said

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as 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 2024-12-31 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: OK

Complaint narrative:
I was in a car accident the insurance payed off the car. I was told I had no balance but the account kept coming up negative. So I called XXXX XXXX and they said I dont have to pay then I asked them had they written off the debt and she said yes so I then asked for a 1099-c they agreed initially then changed their minds very next conversation. This is on my credit report as a chargeoff/collections. the debt has been forgiven or canceled, it's no longer owed and should not appear as an unpaid collection or charge-off on your credit report. Account # 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my credit report and found several mistakes related to billing. The late payments mentioned do not match my usual payment history. Please correct these discrepancies and update my 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 2024-12-31 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: TX

Complaint narrative:
I reviewed my credit report and found several mistakes related to billing. The late payments mentioned do not match my usual payment history. Please correct these discrepancies and update my 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 explanation