vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: MS

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there appears to be a discrepancy regarding their accuracy on my credit report. These accounts were removed previously but have been reinstated without my awareness. I did not receive any notification or correspondence about their reappearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CO

Complaint narrative:
XX/XX/year> Opening a joint smartly savings account. 
The US Bank XXXX department left a voicemail. Calling back the hold time of about XXXX minutes. After requesting a supervisor I was connected with XXXX in escalation. She was rude, condescending, and talked loudly over me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: IL

Complaint narrative:
Respectfully asking for disclosures 15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. XXXX XXXX is in violation of the FCRA Violation of 15 U.S. Code 1635 right of recission 15 U.S. Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor.

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 2025-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Village Capital & Investment LLC
State: SC

Complaint narrative:
Closing on mortgage wasn't actuarial and wasn't agreed on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/1974 To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX, CA, undefined

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 2025-01-07 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: NJ

Complaint narrative:
When I checked my credit report this morning, I noticed errors Ive never seen before, and I have no idea how this happened. Ive been meticulous about reviewing my credit, and this is completely unexpected. I tried refreshing the page, thinking it might be a browser issue, but the discrepancies stayed the same. Im at my wits end and am begging for the documents Ive sent to be reviewed thoroughly so I can finally have some peace of mind.

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 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, I used a Promotional Check from Chase Freedom credit card for {$15000.00} with 0 % interest if paid off by XXXX XX/XX/XXXX, I paid off the remaining balance of {$3500.00} on that Promotional Check with a check paid to Chase drawn on XXXX XXXX XXXX Instead of applying the full amount of that payment to the Promotion, Chase applied part of that money to the regular credit card payment, to another Promotional Offer due on XX/XX/XXXX and only {$2100.00} to the Promotional Offer expiring XX/XX/XXXX. That leaves a balance of {$1300.00} on the Promotion instead of a {$0.00} balance. Additionally, Chase has been using the total of the Promotional Checks that I have used to calculate daily interest on the credit card. If the Promotional Checks are truly 0 % interest if paid off by the due date, they should not be included in the overall interest calculations. Now because of their misallocation of my final payment of the XXXX, I fear I am liable for 20.24 % interest. Altogether it seems to me that Chase is fraudulently charging me interest on 0 % interest advances from XXXX to the current date and I would like Chase to show that the only Promotional charge on my credit card is the {$10000.00} due XX/XX/XXXX. Chase did refund some interest charges for a few months in XXXX after my initial complaint but now are not willing to change my account to show a {$0.00} balance on the Promotion that ended XXXX. I intend to pay the remaining Promotional balance of {$10000.00} or {$9900.00} due XX/XX/XXXX prior to that date and I do not want to be put in the same jeopardy just because they apply payments to other charges. Their computers need to be reprogrammed to accurately allocate payments to correct charges and not penalize customers with faulty or fraudulent interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XX/XX/year> Amount : XXXX $ I received a call from the collection agency & I told them I can not pay because I have a lot going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX of XXXX a charge of {$1000.00} and {$250.00} was charge to my checking account ending XXXX to XXXX XXXX and on XX/XX/XXXX for another amount {$1000.00}. I were to have my XXXX at this resort of XX/XX/XXXX. Myself and my guest have attempted to reach out to the company for payment links so that my guest can make payments toward the room blocks i had already blocked. I have emails going back and forth with the company on all issues.There was times we were not able to reach anyone and was told someone will reach out to us. Time went on and never received a call back always had to reach out. There was a point when their answer machine stated they were close to further notice. I sent emails back and forth and gave them another chance to make things right. Moving forward i was getting the same results. I started researching the company and read so many bad reviews on site. I realized i was experience the same issues that other guest was talking about. I decided to cancel or have my deposit put to a future stay but not trusting them with making my XXXX XXXX XXXX XXXX ) a success. Spoke with company and they refused to give me future credit or refund my funds. Never was told my room blocks was non refundable. This company haven't provided me any services due to my XXXX was in the future ( XXXX of XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile.

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX CA, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth.

A recent utility bill confirming my current address.

A copy of my Social Security card verifying my SSN.

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report.

Update my credit profile with the correct details listed above.

Provide written confirmation of the corrections and supply an updated 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recently reviewed my credit report and discovered several inaccuracies that are adversely affecting my credit score. These inaccuracies include accounts that I do not recognize or transactions that were incorrectly reported. Attached, you will find a detailed list of the accounts and entries in question

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hi, I would like to initiate an investigation into these accounts due to concerns about their accuracy on my credit report. They were removed in the past but have been added back without my knowledge. I have not been notified of this change, nor have I received any mail regarding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
Hello, I am requesting an investigation into these accounts as there appears to be a discrepancy regarding their accuracy on my credit report. These accounts were removed previously but have been reinstated without my awareness. I did not receive any notification or correspondence about their reappearance.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/year> Ive been in communications with TransUnion, about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. 
By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told TransUnion many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information : Incorrect names listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only name is XXXX XXXX XXXX My only address is XXXX XXXX XXXX, XXXX Ohio XXXX My only date of birth is XXXX My only employer is XXXX XXXX Mortgage You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank You 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: LA

Complaint narrative:
As of this date I have pulled all financial power of attorney from XXXX ( creditor ) with my attached POWER OF ATTORNEY REVOCATION Form attached that was recognized Signed & Notarized by XXXX XXXX for the state of XXXX As the principal of this account I have signed and do now pull all Power Of Attorney From XXXX ( Creditor ). This account is now closed to creditor. 

This Alleged Creditor Has Never Once Provided : XXXX. Chain Of Assignment Or Change Of Assignment XXXX. Date Of First Delinquency XXXX. Date Of Late Payment! 

XXXX. Or Proof Of Ownership Of This Alleged Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am asking for your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, which they agreed to, but they are still marked as late. Despite my attempts to follow up, I have not received any updates, and this is my last option.

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 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: RI

Complaint narrative:
They sent a process server to my door on XX/XX/year>. Saying it was in regard to an old credit card bill. Asking for a summons within 20 days to answer. Sent them the answer told them I want them to cease and desist from all further contact with me. That I only live on SSI, and could not afford this. However told them I would settle for {$10.00} because thats all I could afford. They sent back a letter dated XX/XX/year>. Scamming for a higher amount than what they originally said which was {$1400.00}. Now they want 70 % of XXXX to be paid to them within 30 days. I want them to cease harassing me. Nor do I want to reopen the credit file or prolong it with them again. I just want nothing to do with them and their client anymore. I am only on SSI, am XXXX  and XXXX. Yet they ( XXXX ) doesnt seem to get this. Particularly that SSI is judgment proof. Which means obviously I cant be sued. I am really scared out of my mind because they act like they wanted to sue me. And never gave me a chance to dispute this alleged debt. Which I consider I dont owe them. They ruined my whole XXXX XXXX  this year, leaving me, an XXXX  XXXX XXXX XXXX disturbed and unable to enjoy the XXXX XXXX  with my friends and family like I always look forward to doing.

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 2025-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc.
State: WI

Complaint narrative:
I have several email accounts, the one that was used on the application was an older email I just for junk mail or as needed to separate my work, social and bill payments with all different accounts. I received an email for a loan approval Fri, XX/XX/year> around XXXX central time. I get a lot of fake emails so it was ignored. I started to receive several more emails, among other emails of this type that I sent to my junk folder. My credit report does not show it was checked and a new loan was not in my report so I felt it was safe to ignore. 

I received a letter via the XXXX about a delinquent loan late XX/XX/year>. I did not apply nor did I receive the loan. It had a local address. I visited the location and they used my personal identifiable information to pull up a customer service agreement. I was told this was done online and was all automated. I asked how it was possible to provide a loan without validating my employer. They provided the name of the employer used. That employer was a dentist office with a Doctor of the same name and I ; this is not me. I asked why they did not validate with the employer or validate if I was an authorized user for the direct deposit. I was told it was automated and was entered by the user. 

The paperwork had listed a phone number and bank that was not familiar to me. The bank is with XXXX XXXX XXXX. I was provided a number to call their fraud department, but it started with XXXX. I asked if this is the correct number, starting with XXXX. The person in the building said it was the correct number for their fraud department. I did not call that number since it was not a local or XXXX toll free number. I used the number I found on XXXX to report fraud. I also called the bank that was listed for direct deposit and provided my SSN, they told me my name was not one of the people on the account ; they were not able to provide me any more details and they did not want to peruse a fraudulent complaint.

Company response to consumer: Closed with explanation