vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: NC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
I have XXXX inquiries on my tranunion report accounts that are not mine. 

both took place on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX They have been removed from all other bureaus this is my XXXX request of tranunion.

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 2024-12-03 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: IL

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts, and I have no knowledge of their origin. In compliance with USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: AL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-03 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: PA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-03 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: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-03 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I was going to get an auto loan witXXXX XXXX XXXX  and that bank was XXXX XXXX. But instead of sending my report to just XXXX XXXXXXXX and that's it. They sent it to muktiple banks without my consent. I only authorized my report for XXXX XXXX  and just XXXX time not multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I was going to get an auto loan with XXXX bank and that bank was XXXX XXXX. But instead of sending my report to just XXXX XXXXXXXX and that's it. They sent it to muktiple banks without my consent. I only authorized my report for XXXX  XXXX and just XXXX time not multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, The Experian reporting agency, block information appearing on my consumer 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 personal credit card account opened at XXXX XXXX card on XX/XX/XXXX, and under account number XXXX, XXXX XXXX card account number XXXX, XXXX XXXX XXXX XXXX account XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX personal loan account number XXXX opened XX/XX/XXXX. These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my FICO consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, 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 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
As a XXXX  Year American Express client, American Express has purpously ruined my credit for NO reason. They have lowered the credit limit to ruin my credit on ALL 4 credit cards. 
I have NEVER been late ever on any credit card and on XX/XX/XXXX the represenative told me my credit score was XXXX, XXXX. I am nowhere near the credit limits or ever had a late payment with any credit card EVER. 
1. Amex XXXX XXXX XXXX XXXX XXXX XXXX balance XXXX, they have ruined my credit by lowering the limit to XXXX. 
2. Amex Everyday XXXXXXXX XXXX limit- blocked my card withan XXXX balance. 
3. Amex Platinum - Limit blocked ruined my credit as there is supposed to be NO limit on this card. 
4. Amex Gold Business- NO Limit either- Blocked and ruined my credit. 
I have NO lates ever, No Public records, NO judgements or tax liens, NO credit card company should have the right to ruin your credit for paying perfectly on time for XXXX  Years! 
American Express has damaged my credit and has broken the law. I have tried everything to reason with the credit desk to no avail. NO credit card company has the right to ruin a persons credit, nowhere near the credit limit, pays perfectly, and gets way with illegal activity by doing so. Misinformation and disinformation, this could ruin and has ruined my credit. I have numerous other credit cards and none of them, have ever lowered my limit or damaged my credit purpously. 
Please investigate any company who breaks the law as American Express has done. 
I have tried evrything to reason with them and fix this, they think they are ABOVE any all laws because they have good lawyers. NOBODY is above the law. They MUST take responsibilty for runing my perfect credit history. They must be hal accountable at all costs for this. Please help me correct this abuse of this aweful company with so many complaints!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NE

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for a period of one year, at which point I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
Several times I have contacted EXPERIAN regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These collections have been removed by other credit bureaus but remain unverified and inaccurately reported by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60 days. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you make a fair and informed decision in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: SC

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
epetitive Baseless phone calls and Delay tactic letters. No form or sense of a resolution. This is a continuing issue by Wells Fargo stemming from XX/XX/XXXX, perhaps the company 's most notorious scandal, Wells Fargo employees were caught creating millions of savings and checking accounts for customers without their knowledge or approval after being pushed by their superiors to cross-sell products. Wells Fargo state that " We hold all of our employees to the highest possible standards of ethics and business conduct and expect them to comply with all applicable laws, rules, and business regulations. '' However, the original complaint concerning breach of the business account came in XXXX whereby the employee was terminated, but Wells Fargo to date have not investigated financial hardship of the damage to the business credit from the breach not sought to contact the company concerning the matter. The employee who assisted with opening the business checking account at the XXXX XXXX XXXX XXXX, XXXX, GA XXXX branch location. Records must show the circumstances of the breach of the account and the actions taken. If not this is another violation that should be thoroughly investigated for accuracy and other violations. Unaddressed Past Issue : Incorrect : Our Firm does not and have not opened a Business Market Rate Savings account ending in XXXX opened on XX/XX/XXXX, and closed on XX/XX/XXXX, due to no customer-initiated activity for XXXX days. Wells Fargo should acknowledge and revisit the employee 's breach of the business account back in XXXX, and seek to make the company hole from the damage of business stability for function financially from the damage of actions of that employee who was terminated because of the unauthorized breach of the business account in addition to the aftermaths of pre-mature overdraft protection charges stemming from such damages to date.. Wells Fargo should acknowledge and revisit the employee 's breach of the business account back in XXXX, and seek to make the company hole from the damage of business stability for function financially from the damage of actions of that employee who was terminated because of the unauthorized breach of the business account in addition to the aftermaths of pre-mature overdraft protection charges stemming from such damages to date..

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 2024-12-03 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: NJ

Complaint narrative:
Im reaching out to dispute a few errors on my TransUnion credit report that need to be fixed. The report shows an incorrect SSN ending in XXXX. My only valid ITIN is XXXX. Please update this to make sure my report is accurate. The report also includes incorrect names that do not belong to me. Furthermore, it lists two addresses '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, '' and " XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX '' which I have never lived at or been associated with. My correct address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and it should be the only address reflected on my report. 

I respectfully request that TransUnion update my report with only accurate and verified information. Please provide me with written confirmation once these corrections are made and send me an updated copy of my credit report. Additionally, I ask that you thoroughly review my report to ensure there are no other inaccuracies or potential signs of identity theft that could harm my credit profile.

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 2024-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Modification trial started all payments were made on time and/or early. Company sent out their reps with paperwork and I signed all and the reps handled sending the documents back via mail overnight. All trial payments were made. Company rep stated that everything was fine and that I should be receiving documents for my records for the modification and I never did. They extended the modification for an additional monthdo to not having the document. They restricted online payments and only allowed me to call in the payment every month. Called to make the next month payment and they refused to take the payment and told me that they didnt receive an insurance acknowledgment form signed and dated, which by this time they were sent at least 3 signed and date copies, they said couldnt finish the modification until they got it so they emailed me the document I signed it again and sent it in. Waited a week to make sure they got the document and when I called back they told me that my modification was canceled because they didnt receive the document and I didnt make the last payment because they refused to take it do to the document missing now they are trying to take my house Im a XXXX XXXX veteran with a XXXX this company has sent me through the ringer and I have done everything they asked. Shellpoint mortgage is ruining my life and my familys future do to incompetence by them and their employees or they are just out to take veterans homes with a bs excuse of not receiving one document about an insurance acknowledgment document, that was sent multiple times including by their own reps that came to my house with the 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 2024-12-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: DE

Complaint narrative:
NTL Recovery Agency reported on my credit report On XX/XX/year> that I owe a debt of {$3700.00}. Upon contacting them to get information in regards to this collection since there was none listed on my report, just the collection company it was stated from the rep that it was transferred to them from XXXX as you can see in my previous report, which was another collection agency from XXXX XXXX. I have been dealing with XXXX XXXX since collections has been placed on my report and each time I have to dispute this and here I am again. This collection is almost eight years old from what I have been told and recently started appearing again on my credit report after each prior collection agency returned it back to XXXX XXXX as they constantly try to collect on a fraudulent account as well as list this in my report. I have reported not only to my credit bureau each time and they all get removed/ I have told XXXX each time this is not my account, nothing has been sent nor delivered to me for almost 8 years. Upon calling this new collection agency, they had explained that I need a police report. As you can see from my previous complaint, the other collection agency sent my account back to XXXX. Every year it seems as if a new collection agency is trying to collect on this loan of eight years per the new collection company. I am furious as I have done everything possible to get this removed from my report and to not appear on my report every single year. This is not nor has it ever been my account. The rep stated there are a lot of people with my name, etc yet the addresses does not match any address when I asked the address on file. I have never lived at the address they have on and all they do is update it when they ask for a new address.

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 2024-12-03 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I approved one bank to check my credit. I didn't approve any other bank to pull my credit since I was already XXXX  approved with one bank. They ran my credit over and over calling banks, when I realized what had happened I ran to there to tell them to stop, that I DID NOT authorize any of those banks to pull my report.

Company response to consumer: Closed with non-monetary relief