vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 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:
I seek your help in addressing this mistaken account on my credit report. It has severely impacted my reputation, and I require your support. Your improper reporting has caused major damage to my standing, and I demand you remove this incorrect data from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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:
I seek your help in addressing this mistaken account on my credit report. It has severely impacted my reputation, and I require your support. Your improper reporting has caused major damage to my standing, and I demand you remove this incorrect data 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 2024-09-11 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:
When I saw false accounts on my credit report tonight, I was shocked and completely confused. I check my report often, and this has never happened before. I thought maybe my browser wasnt loading properly and refreshed it, but the mistakes didnt go away. I feel so frustrated that these errors exist, and Im urging that the documents I sent are reviewed carefully, so I never have to deal with this again.

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 2024-09-11 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: TX

Complaint narrative:
on XX/XX/year> i notified the legal department of XXXX XXXX XXXX opting out of any and all authorization related to the sharing, reporting, or disclosure of my personal or financial information to any and all credit reporting agencies and/or third parties.as a federally protected consume i exercise my right to privacy under applicable federal statues.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/year> the XXXXXXXX XXXX XXXX was paid off in full in the amount of {$350.00} the organization stated on multiple occasions that a letter with pay off date and pay off amount would be sent to me. I received a letter dated XX/XX/year> stating acvount had a balance of {$0.00}. I filed a XXXX  XXXX on XX/XX/year> upon doing this the company attached information on all three credit reports stating they were included when my account was paid in full. The company damaged my character and destroyed my credit. I have reached out to many customer representatives as well as supervisors in which, I call and all calls were routined to collections department in which the organization knew the account was already paid in full. I have asked to be compensated for defamation of character and falsey stating account was included in XXXX  XXXX and it was not. I'm looking for compensation of one- thousand dollars for pain and suffering. I finally received information from one creditor that the falsely information was removed from credit report as being included on my credit report. I have been fighting this issue for for over year and half. I have disputed multiple times with all three credit bureaus and they refused to correct issues until now. 
I have still not received letter from XXXXXXXX XXXX XXXXXXXX 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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/year> the XXXXXXXX XXXX XXXX was paid off in full in the amount of {$350.00} the organization stated on multiple occasions that a letter with pay off date and pay off amount would be sent to me. I received a letter dated XX/XX/year> stating acvount had a balance of {$0.00}. I filed a XXXX  XXXX on XX/XX/year> upon doing this the company attached information on all three credit reports stating they were included when my account was paid in full. The company damaged my character and destroyed my credit. I have reached out to many customer representatives as well as supervisors in which, I call and all calls were routined to collections department in which the organization knew the account was already paid in full. I have asked to be compensated for defamation of character and falsey stating account was included in XXXX  XXXX and it was not. I'm looking for compensation of one- thousand dollars for pain and suffering. I finally received information from one creditor that the falsely information was removed from credit report as being included on my credit report. I have been fighting this issue for for over year and half. I have disputed multiple times with all three credit bureaus and they refused to correct issues until now. 
I have still not received letter from XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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:
I couldnt believe it when I saw incorrect accounts on my credit report tonight, and I have no idea how they got there. I check my credit report regularly, and everything was always fineuntil now. I even refreshed my browser thinking it was a glitch, but the errors remained. These accounts shouldnt be there, and Im deeply concerned. Im asking for the documents I submitted to be thoroughly reviewed so I can stop worrying about this ever happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
i had my account in capitalone bank with a balance of XXXX $ .suddenly i was emailed that my account has been restricted and you need personally present in the bank which i already updated that i was not in country and requested for my balance cheque which they promised that they will send.it has been more than 90 days nothing is recieved. 
Now i want a commitment by them to trasfer my XXXX $ in my account details are as follows : XXXX XXXX account number:XXXX  Routing number:XXXX kindly send the deposit in my account. 
it would be a great honour of CFPB team if you can resolve the issue.you can check the previous complain regarding the transaction.and write a letter to company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: MS

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts 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 2024-09-11 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: MS

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts 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 2024-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Mr Cooper FAILS to connect me XXXX a real time representative. Templated automated features FAIL to allow this consumer TO PAY OFF MORE of the monthly principal. In short, these XXXX  wont allow me to give them more .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I noticed after reviewing my profile there were some inquiries that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I did not grant permission to these entities to access my credit report, nor did I apply for any credit or services that would necessitate such inquiries. As such, these inquiries were made without my consent and are fraudulent.I kindly request that you investigate this matter to ensure that these unauthorized inquiries are removed from my credit report. 

I have also contacted the relevant credit reporting agencies and the companies involved in the inquiries to dispute these entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: MO

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

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 2024-09-11 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: CA

Complaint narrative:
Well I've been trying to improve my credit which has been going well until I paid for XXXX account and I notice on my TRANSUNION XXXX XXXX credit report, on inquiries I have a total of 4 inquiries that are not me, was not me, not authorized by me & I didn't apply for anything nor have I ever visited them locations in the United Statee of America where these businesses are located. I believe i am a victim of some form of fraud. It may not be full fraud but I believe a piece of my information is being leaked and used. 


The companies who allowed someone to use my private information are as follow : XXXX Inquiry date XX/XX/year> Ran two inquires on my XXXX report . 
Method : I tried contact the business but couldn't find contact information. ( Mail only ). 

-- - XXXX XXXX Inquiry date XX/XX/year> Ran a Inquiry on my TransUnion credit file. 
Method : I called the company to investigate but couldn't get through when I dialed the number. 

-- - XXXX XXXX date XX/XX/year> Ran Inquiry on my TransUnion credit file. 
Method : I attempted to call the company to investigate but couldn't get through when I dialed the number. 

> It's been two week since I've been trying to clear this matter up so that I could move forward with life. Any assistance is appreciated. Thank you so much.

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 2024-09-11 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: FL

Complaint narrative:
Seeing unauthorized inquiries on my credit report this morning was deeply upsetting, especially since I dont know how they got there. I refreshed the page several times, hoping it was a glitch, but the inquiries stayed. This problem needs to be addressed immediately by carefully checking the documents I've provided so I can stop worrying about it.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 explanation
Consumer complaint received 2024-09-11 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: IN

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would appreciate notification of the actions taken. Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2024-09-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
It was incredibly frustrating to discover unauthorized inquiries on my credit report this morning, especially when I have no idea why theyre there. I routinely check my credit report, but this time, discrepancies appeared out of nowhere. I refreshed my browser multiple times, thinking it might be a temporary error, but nothing changed. Please check the documents Ive submitted thoroughly, as I need this resolved immediately so I can stop stressing over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Aldous & Associates P.L.L.C. regarding a debt they are attempting to collect, which I do not owe. The details of the complaint are as follows : Aldous & Associates P.L.L.C. 
XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$120.00} The agency is attempting to collect a debt related to my former membership with XXXX XXXX, but I do not owe this debt. I fulfilled all my financial obligations to the gym, including any cancellation policies on XX/XX/year>, I did talk to a XXXX XXXXXXXX and asked is everything else I need to do and he said I was all set and I do not need to do anything and good to go. returned the key fob and everything. Months later I received a collection mail from Aldous & Associates P.L.L.C that I owned the debt from XXXX XXXXXXXX, I have tried to call the XXXX but they just keep put me on hold and said that the XXXX is not available or have a meeting. I believe this collection attempt is in error and may be a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I have already disputed this debt directly with Aldous & Associates, explained to them what happened and requested a debt validation on XX/XX/year>. Which is they must provide the following included Amount Of the Debt including any interest, fees, or other charges, Creditor 's Name, Verification of the Debt, Statement Regarding My Rights. 
And I received a mail from them on XX/XX/year>. It was just a amount of debt that I own {$120.00} with no details of any interest, fees, or other charges and a copy of my agreement with my old gym without my signature. Their rights to collect the debt. And didn't show my cancellation form. since I did everything in person at the XXXX by the XXXX told me. 

This situation has caused me considerable stress, and I am concerned that the false debt XXXX be reported to credit agencies, damaging my XXXX XXXX and reputation. I am seeking your assistance in resolving this matter, as it appears to be a violation of consumer protection laws. 

I request that the CFPB take the following actions : Investigate [ XXXX XXXX XXXX XXXX ] for improper debt collection practices. 
Ensure that all collection activities are stopped until the debt is properly validated. 
Ensure that any negative information reported to credit bureaus regarding this alleged debt is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have derogatory marks on my credit that has been paid for on a consolidation thats hasnt been removed from my account for XXXX recent credit cards and inquiries that may need to be removed in order to get to the next step planned for funding

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im 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