vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
remove these items off my experian credit report Dear Experian, I am writing to formally dispute several items on my credit report that I believe are inaccurate and negatively affecting my credit score.

I have noticed that the following outdated accounts keep reappearing on my report, despite being too old to be reported : balance XXXX ( doesnt even display an account number how old it is ) balance XXXX ( doesnt even display an account number how old it is ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, I would like to address several unauthorized inquiries that have recently appeared on my report : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and I request that they be removed from my credit report as they may be impacting my creditworthiness.

I would appreciate your prompt attention to this matter and request that you investigate these discrepancies as soon as possible. Please let me know if you need any further information from my end.

Thank you for your assistance.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
remove these items off my experian credit report Dear Experian, I am writing to formally dispute several items on my credit report that I believe are inaccurate and negatively affecting my credit score.

I have noticed that the following outdated accounts keep reappearing on my report, despite being too old to be reported : balance XXXX ( doesnt even display an account number how old it is ) balance XXXX ( doesnt even display an account number how old it is ) XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, I would like to address several unauthorized inquiries that have recently appeared on my report : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and I request that they be removed from my credit report as they may be impacting my creditworthiness.

I would appreciate your prompt attention to this matter and request that you investigate these discrepancies as soon as possible. Please let me know if you need any further information from my end.

Thank you for your assistance.

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 2024-09-04 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
An inquiry was was add to my credit that I did not authorize.

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 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
In XX/XX/2024 I contacted Chase via phone to request a credit limit increase on my Chase credit card. The following day, I received a voicemail from someone claiming to be from Chase customer service, asking me to call back regarding my recent request. 

I returned the call and was prompted by a recording to enter my Social Security number. After entering it, I realized something was amiss. When I was connected to a representative, she spoke with a thick accent and was unprofessional in her demeanor. She asked for my date of birth, but I declined to provide further information, feeling uncomfortable with the situation. I promptly ended the call. 

A few days later, I received a letter purportedly from Chase. Upon closer inspection, I noticed that the phone number in the letter matched the one I had called earlier. This raised suspicion that the letter was fraudulent as well. 

I contacted Chase immediately and requested them to check for any new accounts opened under my name. They identified an attempt to open a new account, but fortunately, it was rejected due to my credit being frozen. 

OnXX/XX/2024, I requested a credit limit increase again, this time using the Chase app on my cellphone. Subsequently, I received another letter from Chase that was identical to the fraudulent one I had received in XX/XX/2024This leads me to believe that my request for a credit limit increase, whether made by phone or through the app, is somehow being leaked to a fraudulent group. 

I have sent the fraudulent letter to Chase for investigation, but their response has been indifferent. I am reporting this incident to bring attention to the ongoing security issue and to seek appropriate action from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: CO

Complaint narrative:
I have a credit injuries that needs to be removed can you please remove it XXXX cards XXXX  XX/XX/2024

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 2024-09-04 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: GA

Complaint narrative:
A bank account with Chase Bank was opened around XX/XX/2024. I received a notice regarding my address was updated for my bank account. So I called to see if a bank account was in my name. They stated yes, so they removed the funds and closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
Last Thursday I realized my bank double paid my mortgage. I called the servicer, pennymac on Friday morning and they told me they could not get the money back to me for over a week and could only do it by check in the mail. I protested this and was told they would XXXX  it to me ( only after I threatened to notify the cfpb ). Well, they didnt send it. Monday they created a label and today they may potentially send it. The supervisor was unhelpful and told me there was no possible way to wire me the money. She repeatedly said that if I would have used their website to make the payment they could have sent it electronically but since I sent the payment in they cant. After struggling to help them understand my urgency she is going to get me to a manager. This has taken me 90 minutes! In the end she said I would stay on the line for a 2 question survey. She then disconnected the call so I would not receive the survey.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: KY

Complaint narrative:
I have unauthorized hard inquires on my credit file. 
Companies that need to rectify this issue are as follows. 

XXXX XXXX ( bank ) dateXX/XX/XXXX XXXX ( finance ) dateXX/XX/XXXX XXXX XXXX XXXX ( finance ) dateXX/XX/XXXXXXXX XXXX XXXX ( finance ) date XX/XX/XXXX XXXX XXXX XXXX  ( bank ) date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: KS

Complaint narrative:
One Main Financial is calling 3 to 4 times per day. Sometimes back to back calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: TX

Complaint narrative:
I am writing to complain to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I paid my credit balance of XXXX which was the total amount due. 
That same day I noticed an auto payment for the same amount. I immediately called Cit Bank, and they told me on three occasions I would be getting a partial back or XXXX back. I have snice call back 3 times and have been told each time to give it another 3 days. 
Last time I waited 35 minutes to speak to a supervisor and finally hung up. Call back a fourth time and was told the same thing, that I need ed toa wait another 3 days due to federal regulations. I asked the supervisor to escalate, and he said the was nothing that could be done. 

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 monetary relief
Consumer complaint received 2024-09-04 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX  XXXX XXXX : # XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Every couple of months, I get enrolled in these free trials from Experian without my consent, completely unauthorized. I always try to cancel them, but one in XXXX and another one this month slipped by me. I got a refund for the one in XXXX and this time around, nothing. 

This is a federal crimestealing peoples payment information to unknowingly subscribe them to XXXX XXXX that they have no idea about. I want my payment information completely scrubbed from their company and I want my entire account PERMANENTLY DELETED. I dont want it deactivated, I dont want discounted services, I want my entire account gone from Experian forever. 

I have no idea how this company hasnt been indicted on multiple felonies. You have to lie to the automated system to get a real person on the phone, my fax and certified letter went ignored, and every agent doesnt understand XXXX. If my request is not granted, I will engage in aggressive legal action. This company is a joke, has committed dozens of crimes, and gets away with everything. The only entity that should report your credit score is the U.S. government. Completely abolish Experian, XXXX, XXXX and any other private corrupt corporation. Total garbage. Fix this!!!

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 2024-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
Dear FORTIVA/ The Bank of XXXX  and its Representatives, I have been searching high and low for some vital information. I have not been able to get this specific information from any customer service representative or through any online search through the Securities and Exchange Commission. I need the most correct, up to date information for the following as soon as possible. Please give me the correct contact information including the contact Name and Title of the person or Senior Officer, their correct phone number, mailing address, e-mail address, and fax number for this or these representative ( s ) from both departments as follows : Full contact information for your company 's Special and Restrictive Deposit Department AND Full contact information for your company 's Indentured Trustee. 


Please provide this information as quickly and accurately as possible. 

XXXX XXXX, Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: GA

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 non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-09-04 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: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-09-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-04 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-04 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: FL

Complaint narrative:
My account with EXPERIAN 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 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.

EXPERIAN 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 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 2024-09-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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