vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 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:
Hard inquiries in my credit report that i dont recognize: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
I contacted discover to tell them the account opened is not mine. They have now updated my credit report with some XXXX cell phone number that is not mine. The only phone number that should be to my name is XXXX with the name XXXX XXXX XXXX. Nothing else. 
And the address should only be XXXX XXXX XXXX XXXX 
All others are fraudulent and my information has been stolen. 
Why would I report accounts I owe nothing on!!! Think about it!!! Its fraud, please update the XXXX accounts I flagged that are not mine and the phone number.

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 2024-01-02 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 am a victim of identity theft please remove this fraud inquiry 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 2024-01-02 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MN

Complaint narrative:
XX/XX/XXXX chime authorized over XXXX transactions on my account for XXXX which is a merchant that should of been blocked in XXXX when I contacted them the first time. On the XXXX they drained {$500.00} in less then XXXX minutes. I called chime that night they blocked the merchant they said and the transactions were pending so none should have gone through. The next day they went through so I filed a dispute. They only authorized I get {$20.00} back from XXXX of the transaction but not all my money that was taken from the many more transactions, I called to have them open the dispute again today and it was denied again. They have done nothing to help me over several months of trying to get a new card and get that merchant blocked and now refuse to give me back the money they allowed to be stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: LA

Complaint narrative:
Lakeview Loan Servicing LLC has failed to pay my Flood Insurance and Homeowners insurance from my escrow account, IAW RESPA. 

My insurance provider, XXXX XXXX via XXXX, sent a letter to my loan servicer Lakeview Loan Servicing LLC on or around XX/XX/XXXX to renew my insurance policy. Lakeview failed to make a payment at that time. Another letter was sent in XXXX ( Date Unknown/Unclear ) and again my mortgage provider failed to make payments on my behalf IAW the RESPA regulation . 

I was unaware of the failings of my Loan Provider until today XX/XX/XXXX, when I received a letter of Policy Termination from XXXX XXXX. I called my loan provider and was given the run-around stating that the insurance provider canceled my policy " out of the blue '', I then called the provider who notified me that they had sent the letters as mentioned above to the Loan Provider, while also providing me with copies of those letters. I called the loan provider back, and they stated that they had placed loan-provided insurance, I then asked for proof of this. They provided me with the canceled policies, which are not active. I do not have insurance on my home because my Loan provider failed to pay for it, even though I have a valid and active escrow  account.

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 2024-01-02 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: MO

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 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 2024-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Sunset Management, Inc
State: GA

Complaint narrative:
I paid the loan out but they continue to call me and everyone I listed for a payment that was paid off. I contacted the home office, senselessly statements highlighting all of my payments and they continue to say that I didnt pay it and I paid it in person along with all of my documents from the bank. The company is Flight Finance or Sunset Finance because they go under both names and the two women that work there is very very rude and unprofessional. I placed them on XXXX and the started harassing me from their personal phones!!! I will tell everyone NOT TO DEAL WITH THIS COMPANY IF YOU DONT HAVE TO!!! I was in a bind and had to do it, but if I knew then what I know now, it wouldve NEVER happened!!

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 2024-01-02 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: NJ

Complaint narrative:
Starting on XX/XX/2022, XXXX XXXX has done five unauthorized hard credit inquiries on me. I have contacted XXXX several times, and each time, they tell me they do not have a record of the credit inquiry, and thus, they can not help me. I then follow up with Experian, who tells me that I need to contact XXXX. 

I have frozen my credit score.

Besides that, I do not know how to stop XXXX XXXX from making these unauthorized, erroneous credit checks.

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 2024-01-02 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: NY

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate and unauthorized account.

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

I have not received any responses yet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
When Truist bought out BB & T I closed out the BB & T & called Truist. I explained I did not want to continue with Truist. I cut up the card and considered the matter closed. Truist called me sometimes twice a day trying to regain my business.I made calls & posting asking if anyone knew how to stop them but to no avail. 
Always, without exception, I pay my credit cards in full monthly. I have lived on Social Security since retiring and this am I went to my credit union. I asked them to please print out all I have paid monthly, called Truist, gave them the amounts and dates but Truist is not accepting my facts. 
I am told I can not close out the account until balance is paid. Total of XXXX plus.Soon to be XXXX. Then I asked to be transferred to the dept to get the final balance so I can get rid of this. I don't owe this but am XXXX and completely defeated by this action.Also the people I spoke with demanded my full social security number. I gave it but I thought that was wrong..* aAlso I do not know the account number except either XXXX or XXXX. 
I do not know the mailing address or email or anything. I called & cancelled BBT and cut the card up. 

I dont know what to do next. I was put on hold until my battery only had small time left so I hung up.

Then I decided to write to youXXXX XXXX XXXX XXXX XXXX and always prided my self on managing my affairs. But this has me stumped. Any advice you can offer will be greatly appreciated. I cant close the account so naturally the interest keeps growing, please advise. Thank you so much, 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 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: GA

Complaint narrative:
XX/XX/XXXX I WAS APPROVED FOR A UNITED COMMUNITY BANK ( XXXX XXXX CREDIT CARD FOR XXXX INTEREST TO TRANSFER A BALANCE. 
I HAD XXXX TRANSFERRED. 
RIGHT AWAY I PAID DOWN THE BALANCE TO XXXX AND WHEN THEY REPORTED XX/XX/XXXX IT WAS THE SAME XXXX THEN WHEN I DISUPUTED IT WITH XXXX CREDIT BUREAU. XXXX XXXX AT XXXX TOLD ME ON XX/XX/XXXX XXXX SAID IT WAS CORRECT. 
THEY DON'T EVEN TAKE THE TIME TO VERIFY CORRECT INFO OR WANT THE BALANCE TO REMAIN HIGHER FOR GREATER FEE OPPORTUNITY. 

PLEASE HAVE THEM REPORT CORRECTLY. THANKS. 
ITS BEEN OVER 3 MONTHS, IT NEEDS TO BE UPDATED MONTHLY. 
I WILL BE WATCHING.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023, XXXX of my credit cards were stolen from my locker at my local gym. My southwest rapid rewards card was fraudulently charged {$520.00} at XXXX XXXX XXXX and {$370.00} at The XXXX XXXX. I immediately reported it as fraud to Chase when I got the texts asking if they were fraudulent and they had canceled the transactions. Now today, I receive an email from Chase saying I am now responsible for the transactions because I received benefit from this transaction which is complete BS. I have another card that was stolen and used at a XXXX XXXX that same day and I got those funds refunded and canceled and I have no idea why Chase is deciding to be completely terrible about this situation. I should not be responsible for the $ XXXX fraudulently charged to my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was denied a credit card from Capital One on XX/XX/XXXX, approximately XXXXXXXX XXXX 
I was sent an Adverse Action Letter via Email

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Kindly review the attached documents. I request the bureau to commence an investigation into these accounts, as I am never late, yet they are being inaccurately reported.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I've been trying to obtain my credit report from Equifax since XX/XX/2023. I can not log in to my Equifax account, and they make it extremely hard to talk to a live person. I do take in consideration of security purposes, but can not say if that's all of the intent. I also couldn't get my Equifax report through annualcreditreport.com as well. I think it is unfair for these private corporations to be able to make it difficult for consumers to access anything in the name of " security purposes ''. I also couldn't speak to anyone to opt ouy of my data being sold and shared amongst other things I would like to opt out of. It's XXXX thing to have these regulations in writing, but it's another to abide by them and enforce them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NJ

Complaint narrative:
In XXXX, I signed up for Auto Pay with EdFinancial, my XXXX loan servicer. They advertised the auto pay option as a way to get a 0.25 % interest rate reduction. I enrolled and received a confirmation email that the auto pay would start on XX/XX/XXXX. However, not only did I not get an interest rate reduction, no payment was made on XX/XX/XXXX, leading my loan to become past due. I just paid it off, but am unsure if I have been charged any late fees, despite the fact that it was my loan servicer 's technical error that caused the issue. I have set up a new auto pay for XX/XX/XXXX, but am unsure if it will work this time. I have contacted them about the issue but due to high call and email volume they have not yet responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My wallet was stolen during a football game in 2019, that included my driver 's license and social security card. I made a police report right after and was advised to place a fraud alert on my credit. I recently obtained a copy of my credit profile and noticed an account and credit inquiries that I have no affiliation with or knowledge of. I reached out to the XXXX XXXX XXXX requesting verification and that these inaccuracies be removed from my credit profile. Furnishing this account and information to my profile is in violation of 15 USC 1681, not only have I not given any permission or written consent, but fraudulent accounts are being reported on my profile due to identity theft. The impact this account is having on my credit profile is preventing me from accessing new line of credit. The creditor that I have no knowledge of that's reporting to my profile is, Resurg Coll. I also noticed a series of inquiries from XXXX XXXX  that I never authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: CA

Complaint narrative:
My wallet was stolen during a football game in 2019, that included my driver 's license and social security card. I made a police report right after and was advised to place a fraud alert on my credit. I recently obtained a copy of my credit profile and noticed an account and credit inquiries that I have no affiliation with or knowledge of. I reached out to the XXXX XXXX XXXX requesting verification and that these inaccuracies be removed from my credit profile. Furnishing this account and information to my profile is in violation of 15 USC 1681, not only have I not given any permission or written consent, but fraudulent accounts are being reported on my profile due to identity theft. The impact this account is having on my credit profile is preventing me from accessing new line of credit. The creditor that I have no knowledge of that's reporting to my profile is, XXXX XXXX. I also noticed a series of inquiries from XXXX XXXX  that I never authorized.

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 2024-01-02 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 just reviewed my credit reports and it shows inaccurate and unauthorized account.

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

I have not received any responses yet

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 2024-01-02 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 just reviewed my credit reports and it shows inaccurate and unauthorized account.

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

I have not received any responses yet

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 2024-01-02 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: LEXISNEXIS
State: VA

Complaint narrative:
I am writing to file a formal complaint against LexisNexis concerning their inadequate response to a dispute I initiated on XX/XX/2023. The dispute was raised to challenge inaccurate personal information and a public record, specifically under reference number XXXX, in my consumer disclosure report. 

LexisNexis ' response, dated XX/XX/2023, detailed their attempts to resolve the dispute. They stated that they filed a dispute with XXXX, XXXX, and XXXX on XX/XX/2023, seeking clarification and verification of the mentioned public record. As of XX/XX/2023, they reported no response from XXXX and XXXX. Regarding XXXX, their reinvestigation results indicated that the member number submitted was not recognized, suggesting that the dispute resolution was unsuccessful. 

I am deeply concerned by LexisNexis ' inability to resolve this matter satisfactorily. Their failure to obtain adequate responses from the credit bureaus and their inconclusive reinvestigation with XXXX underscores their inability to address the inaccuracies in my consumer report effectively. 

Attached to this complaint is a copy of my initial dispute letter to LexisNexis, along with their responses, as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NY

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiry.

Please see the copy of my dispute letters attached on this complaint The said inquiry is still showing on my credit report and it seems Bureau is ignoring my concern

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief