vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 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: IN

Complaint narrative:
EXPERIAN CREDIT REPORT XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX Record type Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX CT IN XXXX XXXX XXXX Experian XXXX This case number above was put on my credit report without my permission or contract signed through the courts.I then contacted bankruptcy court who did not give permission for or sale my personal information.I did not give experian the permission to use my personal information that hinders my life my family life buy adding my information into there system this effects my life and I want it removed from there data base

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 2024-06-01 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: TX

Complaint narrative:
Despite our previous seven attempts, I regret to inform you that these items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. Please help me remove these items immediately : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; 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 2024-06-01 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:
This loan was sold to a company called XXXX XXXX without my knowledge and no signed paperwork with my signature giving the ok to do so.

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 2024-06-01 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: GA

Complaint narrative:
This loan was sold to a company called XXXX XXXX without my knowledge and no signed paperwork with my signature giving the ok to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: GA

Complaint narrative:
This loan was sold to a company called XXXX XXXX without my knowledge and no signed paperwork with my signature giving the ok to do so.

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 2024-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: CA

Complaint narrative:
This company that I don't have no idea who's and where I have that debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I've consistently ensured that payments on this account are made on time, never allowing them to become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: PA

Complaint narrative:
FCRA 605B appears to require us to eliminate any incorrect accounts from my credit report. Can you check the documents? Some accounts have inaccuracies in reporting, with wrong amounts and dates.

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 2024-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian reported two collections from XXXX XXXX XXXX for the amount of {$480.00} and the second one for {$280.00}. I filed a dispute and contacted XXXX XXXX to get some information on the matter. I provided XXXX XXXX with all my information but they couldnt find any accounts under my name or find me in their files. I also explained to them the reason of my call and they told me they would take care of the matter since there was no record at all. XXXX weeks later Experian sent me the dispute results but XXXX XXXX didnt remove the collections. I submitted another dispute, called XXXX XXXX again and did the same process for the second time with the same results. Experian sent the dispute results ( again ) but XXXX XXXX didnt remove the collections for the second time even tho they couldnt find me in their system. Today XXXX the XXXX early in the morning I filed the third dispute as fraud helped over the phone by an Experian representative, called XXXX XXXX for the third time and was told the same answer, ( no accounts in their system ). At the end of the day Experian already contacted with a result and still showing the collections confirming that XXXX XXXX is saying that the information they have is accurate, but when I call them they cant find any accounts under my name. The accounts show no first payment or any payments at all, it only shows the amounts and a day apart. All calls were recorded so itll be easy to collaborate my statement.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AppFolio, Inc.
State: IL

Complaint narrative:
My eviction is sealed in XXXX XXXX Illinois during covid 19 and it keeps reporting on my tenant screening preventing me from securing housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Inquired while inside a Chase Bank branch about third party check acceptance, policy, endorsement specifics, etc. Was assured, while there may be a temporary hold placed on funds, the check wouldn't be an issue as long as properly endorsed by all parties. Mobile deposited {$2500.00} check a few days later, properly endorsed treasury check. It was accepted, had a 7 business day hold placed on it, then eventually cleared and showed available for use in my account. When I tried to transfer funds from personal account to to business account ( also with chase ), I was told one account wasn't eligible for transfers. Called and was informed my account my was restricted, pending verification of endorsement by the third party ( person check was originally written to ). I gave them his #, and was told the # couldn't be verified, so they never even tried to call. Couple days later I went into a branch and went through the same exact process as over the phone, # couldn't be verified so they didn't call. I don't know why the # isn't verifiable by chase, and don't understand why that's my problem and can not access my funds, especially after having checked with the bank well before depositing the check, to make sure this sort of thing wouldn't happen, and being assured it would not. I've had an investment account with chase for over 7 years, have my business account with them, never been overdrawn in any account, never anything close to fraudulent or suspicious, no reason at all to be treated like a criminal, or completely brushed aside when my livelihood is at stake without access to any funds in this account. It feels like outright theft, but I don't know what I can do about it. Again, it's only {$2500.00}, but that's the difference between life and XXXX  for some of us. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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:
I Have Tried Every possible way to cooperate with Experian and they refuse to deliver on any of my requests through the mail or online disputes Like for an example I have a account on my credit report that are charge offs but I never received a 1099c from the creditors which they have received a tax wrote for them.. and this debt shouldnt be reported on my credit report I have also requested them to update my personal information as I provided them with a form of id my social security card and proof of residence and my phone number. It should only be one first and last name one current address as I provided and one phone number nothing else if I didnt give written consent

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 2024-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am writing to dispute the following information in my credit report. I have reviewed my credit report from the major credit reporting agencies and found several discrepancies under accounts attributed to Genesis Credit Management. 

The specific accounts I am disputing are : Account 1 : Account Name : GENESIS CREDIT MANAGEMENT Last Reported : XX/XX/XXXX Open Balance : {$260.00} Opened : XX/XX/XXXX Account 2 : Account Name : GENESIS CREDIT MANAGEMENT Last Reported : XX/XX/XXXX Open Balance : {$11000.00} Opened : XX/XX/XXXX Account 3 : Account Name : GENESIS CREDIT MANAGEMENT Last Reported : XX/XX/XXXX Open Balance : {$690.00} Opened : XX/XX/XXXX These accounts are reported inaccurately and are negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: CA

Complaint narrative:
My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts. While checking my credit report, I noticed accounts, I did not authorize were made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. My address is not being reported. Add my current address to my credit file. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I also found fraudulent addresses, inquiries, and collections. 
XXXX XXXX! 
XXXX XXXX, XXXX Inquiry date : XX/XX/XXXX FROUDULENT ADDRESSES! 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX FROUDULENT ACCOUNTS! 
XXXX Balance : {$210.00} Balance updated : XX/XX/XXXX Credit limit : {$500.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Revolving XXXX Balance : {$1100.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$750.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Revolving XXXX XXXX Balance : {$340.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$420.00} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Revolving FROUDULENT AUTO LOANS! 
XXXX XXXX Balance : {$19000.00} Balance updated : XX/XX/XXXX Original balance : - Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Installment FROUDULENT COLLECTION! 
XXXX XXXX XXXX Balance : {$360.00} Balance updated : XXXX XXXX, XXXX Original balance : {$360.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Open Account Status : - Status updated : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one Case no : XXXX Date XX/XX/year> Capital one list us as a primary on this account. 
We are associate, they are reporting to credit bureau which brings My score really low.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2024-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
XXXX reported two collections from Affirm Inc. one for the amount of {$480.00} and the second one for {$280.00}. I filed a dispute and contacted Affirm Inc to get some information on the matter. I provided Affirm Inc with all my information but they couldnt find any accounts under my name or find me in their files. I also explained to them the reason of my call and they told me they would take care of the matter since there was no record at all. Two weeks later XXXX sent me the dispute results but Affirm Inc didnt remove the collections. I submitted another dispute, called Affirm Inc again and did the same process for the second time with the same results. XXXX sent the dispute results ( again ) but Affirm Inc didnt remove the collections for the second time even tho they couldnt find me in their system. Today XXXX the XXXX early in the morning I filed the third dispute as fraud helped over the phone by an XXXX representative, called Affirm Inc for the third time and was told the same answer, ( no accounts in their system ). At the end of the day XXXX already contacted with a result and still showing the collections confirming that Affirm Inc is saying that the information they have is accurate, but when I call them they cant find any accounts under my name. The accounts show no first payment or any payments at all, it only shows the amounts and a day apart. All calls were recorded so itll be easy to collaborate my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I revived a letter from XXXX Dovermule mortgage about a payment increase. I was told that it is a protective increase. My taxes did go up or my insurance did not go up. I was told that they have not received anything from the state or my home insurance company about any rate going. Why is payment going up. XXXX all so received over XXXX and XXXX payments from me over XXXX. I received a mortgage statement that say XXXX XXXX XXXX I have to pay XXXX. For the projective increase. Can they do that the money sites in there bank acount. And my taxes mite up. Or do the lenders know some. Every one should know.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-01 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2024-06-01 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: FL

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. I want them to be funished 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 non-monetary relief
Consumer complaint received 2024-06-01 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: FL

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. I want them to be funished 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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grow Credit Inc
State: FL

Complaint narrative:
In this previous case number : XXXX They removed the invalid item, now it has reappeared on my credit report.

Company response to consumer: Closed with explanation