vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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: GA

Complaint narrative:
I checked my report XXXX  noticed some accounts that are not mine I never opened these accoun ts and have asked fo info on how were they opened.

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 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After a recent review of my credit report, I discovered an entry indicating a bankruptcy claim associated with my name. Upon further investigation, I have determined that this claim is inaccurate and not reflective of my financial history. It is annoying and distressful that this fraudulent bankruptcy keeps on persisting on the credit report. Regardless of its fraudulent identity, as the credit reporting agency, this account should be removed already as it has already been for more than 7 years! 
The details of the bankruptcy claim are as follows : Bankruptcy XXXX XXXX-discharged Reference number : XXXX PLEASE DELETE!!!! 
I am formally disputing this bankruptcy claim and kindly request your assistance in conducting a thorough investigation into this matter. I understand the importance of accurate credit reporting and the impact it can have on my financial standing. Therefore, I request your prompt attention to this matter to ensure the timely removal of the erroneous bankruptcy claim 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 explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
To whom it may concern, I ordered XXXX XXXX from XXXX on XXXX XXXX  in the amount of XXXX. When I received the order all three of the boxes were empty Ive made XXXX aware of this and they instructed me to contact my bank, Citi representative for some reason denied my claim without giving me any type of reason, my understanding was that my funds and purchases were protected under fdic regulations, Im asking that someone please review this and find a solution for me because that is a large amount of money to lose

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 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I basically lost my card before I left the us for vacation I saw the transactions 2 days later so I called them & told them they gave me my XXXX & I was good It wasnt until a month later I check my account & its negative with the same amount they gave so I called & told them & they said that happens sometimes & I owe them money now. I also asked what can I do to fix the problem & they never told me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: DISCOVER BANK
State: TX

Complaint narrative:
I have multiple unknown/unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC
State: MI

Complaint narrative:
I canceled my services with XXXX and paid the final balance of {$110.00} on XX/XX/. That payment cleared my checking account on XX/XX/. I received a letter dated XX/XX/XXXX  from VALOR INTELLLIGENT PROCESSING LLC stating that they were attempting to collect a debt from XXXX in the amount of {$110.00}. I chatted with XXXX to verify there were no problems with my final payment. They assured me my account showed a XXXX balance and had been paid in full. I then called VALOR INTELLIGENT PROCESSING LLC and gave them the details of the payment that I made. I then filled out the dispute form attached to the letter and mailed it along with a printed copy of the chat that I conducted with XXXX verifying that my account was paid in full. I have now received a letter from XXXX XXXX XXXX XXXX XXXX XXXXXXXX stating they are attempting to collect a debt for XXXX XXXX XXXX in the amount of {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
Here is a summary of the situation and the additional information : 1. Submitted initial disputes to American Express concerning unauthorized activities on my account. 
2. Engaged in multiple follow-up correspondences with American Express XXXX emphasizing my request for rectification. 
3. Instead of offering a resolution, American Express has reported inaccurate information to credit bureaus, adversely affecting my credit profile. 
4. I also want to bring to your attention that Attorney XXXX XXXX provided American Express with the necessary information required on XX/XX/2023 via certified mail with tracking number : XXXX This submission should have provided American Express with the essential information needed to expedite the investigation and resolve the disputes promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
Took out approved {$1600.00} loan XX/XX/XXXX with netcredit, deposited XX/XX/XXXX. Made 3 : ontime payments each {$89.00} and change. Decided to pay off loan today XX/XX/XXXX. Went to netcredit website, copied down principal amount {$1500.00} and change. Called NetCredit but had to pay {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I am troubled to note that my credit report, which previously reflected positive payment history, has suddenly been updated to include inaccurate late payments. I am confident that this information is incorrect and should not be reflected in my credit history. 
NSTAR/COOPER XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have maintained a positive payment history, and there have been no instances of late payments during the specified period. I am seeking your assistance in conducting a thorough investigation into this matter and correcting the inaccuracies on my credit report. The inaccurate reporting is not only damaging my credit score but also misrepresents my financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OZK
State: NC

Complaint narrative:
I opened up an checking account with BANK OZK on XXXX i have been going trying to utlize the faculity to conduct my bussiness affairs. i went in the bank in XXXX asking about getting financial help i was sent to the loan department even tho thats not what i requested to be done i wanted credit.they stated they couldnt help me. i went back in XXXX to see if i could do a auto laon they stated my trade in was to old. I APPLIED FOR A CREDIT CARD FROM XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) and was denied i have credits and im not being allowed to perform. i went in XXXX to the local branch of BANK OZK to order checks and was told i could use the company checks i had to demand in order for them to allow me to order checks. the following week i went back because i wasnt receivng my statments through the mail and they charged my account unauthorized stating my mail was returned.i sent a certified letter to the headquters XXXX to notify them of changes to my account and updates. i sent XXXX deliveries on XXXX XXXX annd sent another notice and instructions to the local branch on XXXX no response at all. i also emailed i spoke with the branch manger informing him that i would be sending over documents this was the end of XXXX. I went into the local branch today XXXX and was told that my account was closed and that i was to leave their building. i have video of them denying me access to my account and certified returned recepits showing how i was trying to communicate with them i also tried other means of correcting my acount and file by addressing the CFO. BANK OZK HAS FORCEFULLY LOOKED ME OUT OF MY ACCOUNT AND BREACHED CONTRACT, FAILED TO COMPLY, PERFORM ALONG WITH OTHER VIOLATIONS. AS SOON AS I SENT OVER MY DOCUMENTS TO BE ADDED TO MY FILE TO THE LOCAL BRANCH THEY CLOSED MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
I reviewed my credit report XXXX and was in complete shock with multiple duplicate inquiries I seen negatively impacting my credit and without consent. All on my XXXX credit report I have NEVER heard of a company called : 1. Vally NTL BKXXXX XXXX that appears on my XXXX Credit report XXXX 2. XXXX XXXX XXXX inquiries XXXX The below listed company did 3 inquiries on my credit report which is excessive. Four sight XXXX, and XXXX. One inquiry for an approval should be suffice, not three.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate late payment information that has been reported on my credit report. I have carefully reviewed my credit report from your bureau, and I have identified discrepancies regarding late payments that do not accurately reflect my credit history. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

Please provide a written response acknowledging the receipt of this dispute within 30 days, as stipulated by the FCRA. Additionally, I request that you inform me of the results of your investigation and any actions taken to correct the inaccuracies on my credit report. 

I appreciate your prompt attention to this matter and your commitment to maintaining the accuracy of consumer credit reports. If you require any further information or documentation, please do not hesitate to contact 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 non-monetary relief
Consumer complaint received 2023-12-12 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: GA

Complaint narrative:
These companies are in violation of FCRA 15 USC 1681. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given any company or credit reporting agency written, non-written, verbal- non verbal per 15 USC 6802 15 USC 6805 and 15 USC 1681 ( b ) Privacy Act 1974, 20 USC 1232 ( G ) 34 CFR 99 Privacy Act 1974 and 5 USC 552 ( a ). Utilization reporting on my credit reports clearly violates 16 CFR 433.2 16 CFR 433.3. and Section 623 ( a ) ( 6 ) income and transactions reporting to any non affiliated entity is prohibited. According to the IRS publication 1099c Code F under Identifiable event codes. These companies failed to provide a 1099c for tax purposes. I am required to rectify these charge amounts as income when filing tax returns. Including 15 USC 1692 ( e ) by failing to report accurate, correct and true information on my credit report. Im requesting my credit report is updated 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 2023-12-12 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: GA

Complaint narrative:
These companies are in violation of FCRA 15 USC 1681. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given any company or credit reporting agency written, non-written, verbal- non verbal per 15 USC 6802 15 USC 6805 and 15 USC 1681 ( b ) Privacy Act 1974, 20 USC 1232 ( G ) 34 CFR 99 Privacy Act 1974 and 5 USC 552 ( a ). Utilization reporting on my credit reports clearly violates 16 CFR 433.2 16 CFR 433.3. and Section 623 ( a ) ( 6 ) income and transactions reporting to any non affiliated entity is prohibited. According to the IRS publication 1099c Code F under Identifiable event codes. These companies failed to provide a 1099c for tax purposes. I am required to rectify these charge amounts as income when filing tax returns. Including 15 USC 1692 ( e ) by failing to report accurate, correct and true information on my credit report. Im requesting my credit report is updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: CO

Complaint narrative:
Credit Bureau 's Transunion and XXXX has my name and address wrong reporting. I tried to dispute with both companies and they saying its verified and correct but my ID clearly shows what it is. I also sent in my ID in but they still have not corrected the situation. I was a victim of IDENTITY theft and the names that is not right should be deleted asap!

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 2023-12-12 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:
Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given any company or credit reporting agency written, non-written, verbal- non verbal per 15 USC 6802 15 USC 6805 and 15 USC 1681 ( b ) Privacy Act 1974, 20 USC 1232 ( G ) 34 CFR 99 Privacy Act 1974 and 5 USC 552 ( a ). Utilization reporting on my credit reports clearly violates 16 CFR 433.2 16 CFR 433.3. and Section 623 ( a ) ( 6 ) income and transactions reporting to any non affiliated entity is prohibited. According to the IRS publication 1099c Code F under Identifiable event codes. These companies failed to provide a 1099c for tax purposes. I am required to rectify these charge amounts as income when filing tax returns. Including 15 USC 1692 ( e ) by failing to report accurate, correct and true information on my credit report. Im requesting my credit report is updated immediately. 

Inquiries reporting are 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 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 2023-12-12 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: MS

Complaint narrative:
I'm writing you again for the fourth or fifth time about this matter and I want give up until this matter is resolve. I have sent you all the information and I have attached this in my complaint.In regards to the FCRA 5611 15 U.S.C 16811. I didn't give no-one to take my information so therefore you are invading my privacy. therefore you should deleted this information from my credit report. 15U.S.C. 1681 sec 602 a states I have the rights to privacy. 15 U.S.C. sec 604 sec 2 also states a consumer reporting agency can not furnish an account without my written instructions. I'm sending it again showing everything more clearly. Please look into this matter and remove this information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am currently being denied for the 8th time of my legal right to access the information within my personal credit profile, as mandated by the FAIR CREDIT REPORTING ACT. I demand the immediate release of my personal credit report. Enclosed herewith are official documents, such as copies of my driver 's license, date of birth, and social security number, which fulfill your requirements for verifying my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 2023-12-12 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: CNG FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Despite having made all the payments on this loan, XXXX continues to demand money from me. I ordered a stop payment on their automatic debits through my bank on XX/XX/2023, but I've continued to receive emails from their collections department, indicating that I have an outstanding balance of {$1000.00}. The most recent email was dated XX/XX/2023, and did not include any proof of the outstanding balance. On XX/XX/2023, I sent XXXX 's collections department a letter describing the situation, and with this letter, I included proof of all payments in the form of bank records and a copy of my loan agreement, listing the payment terms. Having received no reply to my letter and documentation, I sent a near-duplicate letter on XX/XX/2023. Ultimately, XXXX has failed to acknowledge my payments totaling {$4200.00} for an original loan amount of {$1200.00} at an interest rate of 220.40 %. They need to recognize my proof of the payments, acknowledge that the loan has been paid in full, and report the loan to all three credit bureaus as having been paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: NY

Complaint narrative:
Recent updated information on credit report is inaccurate. 
- states that Ive lived at current address since XXXX. I have resided at the current address since XX/XX/XXXX. 
- updated Shellpoint mortgage Servicing to reflect 99 years Terms duration! How is this anywhere near accurate? 
XXXX XXXX reports scheduled payment amount as $ XXXX. XXXX received $ XXXX. I was NEVER notified by XXXX of ANY increase in monthly payments! If they are going to report on my credit they absolutely NEED TO INFORM ME OF ACCOUNT INFORMATION!!! 
-also what is 30 months duration? 

Every single dispute changes what is on my credit report from the previous dispute. Equifax claims to have verified this information!! Obviously its not been verified & my credit score is damaged because of this!

Company response to consumer: Closed with non-monetary relief