vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
XXXX XXXX : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXX XXXX  : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
XXXX XXXX : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
XXXX XXXX : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
XXXX XXXX : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-11-06 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: AZ

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 XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-11-06 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 contacting you to request the immediate blocking and deletion of fraudulent accounts on my credit report. I am a recent victim of a data breach and identity theft, which has resulted in unauthorized accounts and inquiries being associated with my credit file. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I ask that the following accounts and inquiries be removed from my report 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 XXXXXX/XX/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 2024-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Better Mortgage, Inc.
State: MS

Complaint narrative:
I inquired with Better Mortgage to refinance my mortgages for better terms. 
I was only inquiring as directed through the XXXX XXXX XXXX. They would notify me via email about their rates that were wholly unrealistic, with massive Points ( pre-paid interest ) listed. But when I asked if they had a specific ( below 6 % ) XXXX  year fixed refinance mortgage with XXXX points ( no prepaid interest ) the online portal directed me to an application. But they dont have a pre-approval. Just an application, which they state has soft credit check. 
But I made the same inquiry with XXXX XXXX in XXXX, and they ran a hard inquiry on my credit report without asking me. I didnt want Better Mortgage doing the same. I asked several times for up front pre-approval rate info based on verbal confirmation of my income and credit rating, so I could shop around for reasonable interest rates. 

They dont publish real available interest rates and points, they just force you to apply which creates hits on credit bureau XXXX, resulting in degradation of credit worthiness. 

Are there not fair rate advertising requirements for real estate mortgages? 

This practice seems deceptively like the predatory lending in the XXXX that badly hurt the economy, forcing borrowers into more expensive mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OK

Complaint narrative:
Dear XXXX  XXXX XXXX, I am writing to report an unauthorized withdrawal of {$5300.00} from my Chime account. Initially, I believed the transaction was related to providing my card number to an insurance provider for the purchase of life insurance. However, I later discovered that the funds were withdrawn directly from my account using my card, which was no longer in my possession. 

Upon further investigation, I learned that my XXXX XXXX was responsible for draining my account. I never provided him with access to my card or account. It appears XXXX  and XXXX XXXX XXXX have used my XXXX XXXX to purchase food, and since my XXXX XXXX  and Chime card share the same PIN, I suspect that he obtained the PIN through that method and used it to access my Chime account. 

I have contacted Chime XXXX  multiple times, but my claim has been consistently denied, with the explanation that no errors were found in the transaction. Given the circumstances, I strongly believe my account was compromised, and I would appreciate a thorough investigation into this matter. 

Please advise on the next steps for resolving this issue and recovering the stolen funds. I appreciate your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: IL

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint is being filed to request pursuant to FCRA 605B ( 15 U.S.C. & 1681c-2 ) That you XXXX, transunion and XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fradulent, inaccurate and false information consists of several personal credit cards opened at XXXX account number XXXX and XXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX and an auto loan from XXXX XXXX  account XXXX. These accounts have resulted in several fradulent hard inquiries and fradulent collections appearing on my consumer XXXX credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the mentioned fradulent items.I do not recognize the above mentioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections or hard inquiries appearing on my 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 my FTC Identity Theft Criminal Complaint number ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer 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 non-monetary relief
Consumer complaint received 2024-11-06 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: IL

Complaint narrative:
I XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint is being filed to request pursuant to FCRA 605B ( 15 U.S.C. & 1681c-2 ) That you XXXX, XXXX  and equifax credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fradulent, inaccurate and false information consists of several personal credit cards opened at XXXX account number XXXX and XXXX XXXX account number XXXXXXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX and an auto loan from XXXX  XXXX account XXXX. These accounts have resulted in several fradulent hard inquiries and fradulent collections appearing on my consumer XXXX credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the mentioned fradulent items.I do not recognize the above mentioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections or hard inquiries appearing on my 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 my FTC Identity Theft Criminal Complaint number ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer accounts, collections and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: NV

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: IL

Complaint narrative:
I am writing to formally request the removal and blocking of several accounts and inquiries that have appeared on my credit report as a result of a recent data breach. As I am a victim of identity theft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which entitle me to have information related to fraudulently opened or used accounts blocked from my credit file. 
Fraudulent Accounts and Public Records Chapter XXXX Bankruptcy o Case Number : XXXX o Date : XX/XX/XXXX o Balance : {$0.00} Chapter XXXX Bankruptcy o Case Number : XXXX o XXXX : XX/XX/XXXX o Balance : {$0.00} Chapter XXXX Bankruptcy o Case Number : XXXX o Date : XX/XX/XXXX o Balance : {$0.00} Chapter XXXX Bankruptcy o Case Number : XXXX o Date : XX/XX/XXXX o Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-06 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: GA

Complaint narrative:
I believe someone has attempted to steal my identity. Im very unaware of the inquires 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 explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Good Morning, My name is ( XXXX XXXX ) and I am filing this complaint because this is the second time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau has not been sending any mail responses to my disputes nor have these companies. At this point I feel like my rights as a consumer are being violated. I am the victim in this situation and I can not even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action

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 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Good Morning, My name is ( XXXX XXXX ) and I am filing this complaint because this is the second time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau has not been sending any mail responses to my disputes nor have these companies. At this point I feel like my rights as a consumer are being violated. I am the victim in this situation and I can not even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action

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 2024-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Apelles, LLC
State: KY

Complaint narrative:
I repeated get calls for another persons debt. I have explained to them on more than 10 occasions they have the wrong number and to cease any/all calls to my number, yet the calls continue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: GA

Complaint narrative:
In XXXX I discovered that there were charges on my report that did not belong to me. They are listed as follows : XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX  {$770.00} XXXX XXXX {$0.00} I have notified the reporting agencies of the incident. I have filed a report with Identitytheft.gov, and have filed a police report. 

I have also requested to have the information blocked, to no avail. The next step is litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to 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 2024-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I'm currently homeless and having financial hardship my girlfriend recently passed away my girlfriend had affirm stuff in my name I called multiple times explaining my situation I payed most of it XXXX dollars it I owe they report me to the credit Bureau and I told them I am going to pay it now my credit score mess up for me to get a apartment my credit score was in the XXXX the company name is Affirm I'm currently on XXXX XXXX I barely have money my credit score is all i have only thing on my credit history mess up is Affirm i had a perfect payment history on my credit history

Company response to consumer: Closed with explanation