vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against XXXX and Experian for Reporting Inaccurate Information Dear Sir/Madam , I am writing to formally file a complaint against XXXX and Experian regarding the inaccurate reporting of information related to my XXXXXXXX credit card account. I believe that these inaccuracies violate the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681, which emphasizes the importance of accuracy and fairness in credit reporting. 

My XXXXXXXX credit card has a closing statement date on the XXXX of every month. However, I have noticed discrepancies in the information reported by both credit bureaus, leading to a significant drop in my credit score. Enclosed are my recent credit card statements and screenshots demonstrating that XXXX has deducted XXXX points from my credit score, while Experian has also shown incorrect updated information on my credit report. 

These inaccuracies have caused me undue stress and may affect my financial opportunities. I respectfully request that you investigate this matter and take appropriate action to ensure that XXXX and Experian correct these errors in my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: DE

Complaint narrative:
Sent a debt validation letter to Jefferson capital on XX/XX/year>. Did not receive anything from company. Requested to have it removed from my credit report in XXXX of XXXX, was told it was verified as accurate and it will remain on my report. Never had a account with this company at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
MY IDENTITY HAS BEEN STOLEN AND THE ACCOUNTS THAT I HAVE LISTED IN THE ATTACHED DOCUMENTS WERE NOT AUTHORIZED BY ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: SC

Complaint narrative:
MY IDENTITY HAS BEEN STOLEN AND THE ACCOUNTS THAT I HAVE LISTED IN THE ATTACHED DOCUMENTS WERE NOT AUTHORIZED BY ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, i listed this address as fraud every account connect to this address should be removed and including debt collector

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 2024-11-19 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: I.C. System, Inc.
State: TX

Complaint narrative:
I do not believe that the debt that is reported on my credit report is valid. I have never been contacted about this, but it is on 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 2024-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
For the month of XXXX my lease payment increased in the middle of my lease with no explanation of why and no one in customer service can tell me why, and they have refused to have a supervisor call me back after several attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: VA

Complaint narrative:
I have disputed the Charged Off XXXX account currently being reported by TransUnion. After a recent complaint filed with TransUnion, they finally removed the fraudulent account from my reporting only to place it right back several weeks later. At this point I feel like TransUnion is harassing me and causing hardship. I demand they cease reporting this XXXX account # 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 2024-11-19 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I have disputed the Charged Off CitiBank account currently being reported by XXXX. After a recent complaint filed with XXXX, they finally removed the fraudulent account from my reporting only to place it right back several weeks later. At this point I feel like XXXX is harassing me and causing hardship. I demand they cease reporting this CitiBank account XXXX XXXXXXXX.

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 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My home owners insurance was due on XXXX. On XX/XX/XXXX it was brought to my attention that the payment had not yet been made. I called my insurance company to verify that they had not received the money. That was confirmed. I then contacted Mr. Cooper 's escrow department to find out when the payment was mailed. The payment had been mailed via regular mail the week prior but the check was made out to and sent to the wrong company. I was assured that Mr Cooper would issue an overnight check on XX/XX/XXXX to the correct company for the correct amount. ( My escrow account has now been hit XXXX for the payment ). On XXXX, I received a cancellation notice from my insurance company for lack of payment. After multiple hours on the phone with my insurance company, I am able to pay for my insurance out of pocket with the explanation that the payment will be refunded to me when the payment arrives from Mr. Cooper. In all of this, we find out that Mr. Cooper had not overnighted a check and that the payment was sent via regular mail. Mr. Cooper then issues ANOTHER check to pay for this sent via over night. At the beginning of XXXX there were now XXXX checks and my personal payment all being sent out to cover the insurance premium. By late XXXX, this seemed to have worked itself out. I was issued a refund for my out of pocket from the insurance company. The overnight check had been credited to my account allowing for this to happen. The second check that was sent via regular mail was received and a refund was sent to me at the beginning of XXXX which I cashed and paid back to the escrow account. Then on XX/XX/XXXX, I received notification that my insurance premium had been paid a XXXX time from my escrow account, taking me to a negative escrow balance. ( Mr. Cooper has now paid the insurance 4 times for those who are counting ). This dollar amount did not line up with any date or invoice that anyone had record of. Eventually my insurance company will get this incorrect check and after several weeks will issue me a refund for this amount. In the meantime, Mr. Cooper has increased my monthly payment by over {$400.00} to cover this escrow deficiency as I no longer meet the minimum balance requirements, even though all of this has occurred due to their actions. I have requested that they stop collecting for the insurance payment as they have not shown they are capable of handling it. I am now a week into the process for an " escrow re-evaluation '' to determine if I am eligible to have them stop collecting with no further communication from the company. I have a 20 % increase in my mortgage payment through no fault of my own or changes by any third party. This has been the most infuriating process I have ever dealt with and have had multiple homes and mortgages through the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CA

Complaint narrative:
Dear CFPB, I am writing to formally request your assistance in the removal of a fraudulent account from my credit report. In or around XX/XX/year>, my card issued by XXXX XXXX ( XXXX ) was compromised, leading to unauthorized and fraudulent charges. Upon discovering this activity, I immediately contacted XXXX to report the issue. XXXX canceled the compromised account, but I was never contacted for a review of the fraudulent charges or provided any clarification regarding their investigation. Despite repeated requests for updates and explanations from XXXX, I have received no response. 

The fraudulent charges continue to be reported on my credit reports and have had a negative impact on my credit standing. These charges were made without my knowledge or authorization, and my research into similar cases suggests that physical card theft is possible despite XXXX  assertions otherwise. 

To address this, I initiated a dispute with Experian, requesting the removal of the fraudulent account. My initial complaint with Experian was submitted as Complaint # XXXX. In response, Experian requested that I verify my identity by submitting identification documents, which I did on XX/XX/year>, as part of Complaint # XXXX. Despite my compliance, I recently received notice from Experian that an internal error occurred in the handling of my dispute. They are now asking me to resubmit the disputean issue caused solely by their mishandling and through no fault of my own. 

This repeated mishandling and the need to reinitiate the dispute process has further delayed the resolution of my issue and prolonged the negative impact on my credit standing. I am requesting the CFPBs assistance in ensuring that Experian promptly and correctly processes my dispute, resulting in the removal of the fraudulent account from my credit reports. 

I have attached all relevant documentation, including correspondence with XXXX, communications with Experian, and proof of my compliance with Experian 's requests. Your prompt attention and support in resolving this matter is greatly appreciated. 

Thank you for your assistance. 

Sincerely, 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 2024-11-19 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: NC

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, an unauthorized account has appeared on my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account. 
Fraudulent Account to Be Deleted : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: NC

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as a result, an unauthorized account has appeared on my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account. 
Fraudulent Account to Be Deleted : Creditor : 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 2024-11-19 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, TransUnion data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXXXXXX and XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, TRANSUNION DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
chase bank I never provided my consent to open these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NY

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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 2024-11-19 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: CA

Complaint narrative:
I identified accounts on my credit report that are part of ongoing litigation. Given the pending status, these are unfairly impacting my credit score.

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 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am writing to formally file a complaint regarding fraudulent transactions on my Elan Financial credit card account. On XX/XX/XXXX and XX/XX/XXXX, two unauthorized charges of {$950.00} each were posted to my account by XXXX XXXX. I have neither authorized these charges nor received any products from XXXX XXXX. I contacted Elan Financial Services on XX/XX/XXXX to report the fraudulent activity, but the customer service representative did not provide any assistance or resolution. As a result, I am requesting an immediate reversal of these charges and a {$1900.00} credit be issued to my account for each transaction. I trust the CFPB will help ensure this matter is addressed swiftly and appropriately.

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 2024-11-19 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 have an " ID SECURITY ALERT '' placed on my Experian report as I have been a victim of Identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. 
I even notified you on my personal statement in my credit " FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. '' And yet you ignore my dispute of fraudulent items appearing on my credit report, this is a blatant violation of my rights as a consumer. I filed an FTC report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.

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 2024-11-19 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:
Subject : Complaint Against Experian for FDCPA Violations Complaint Details : I am filing this formal complaint against Experian for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692c ( c ). Despite sending a formal cease and desist letter on [ Insert Date ], Experian or their associated agents have continued unauthorized communications and collection activities related to an alleged debt. 

The specific details are as follows : Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These actions constitute harassment and a violation of my federally protected rights. Case law such as XXXXXXXX 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 affirms the consumers right to request cessation of communication. Experians failure to honor my demand not only disregards my legal rights but has also caused significant distress, including emotional harm and damage to my financial well-being. 

Specific Issues : Continued communication despite a formal cease and desist notice. 

Failure to respect my rights under the FDCPA. 

Harassment through unauthorized collection attempts. 

Impact on Me : These ongoing violations have caused : Emotional distress and mental anguish. 

Reputational damage, as I have had to repeatedly explain this situation to creditors and others. 

Financial harm, as their actions may have adversely affected my credit report or score.

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