vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX XXXX XXXXXXXX XXXX {$160.00} account number XXXX Hard Inquiries 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 .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/year>, the XXXX XXXX XXXX was opened in the store fraudulently without my consent. The cashier made it sound like I was getting a discount through their loyalty program. I did not agree to open a credit card. As soon as I realized what happened I called Comenity to cancel the application, within 1 hour. Despite this, the card has appeared on my credit report, which has caused me significant damage. I have disputed this account with XXXX, but Comenity refuses to remove the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX  has lied ongoing that you followed bank laws even under CFPB XXXX XXXXXXXX and one valuable lesson to be learned here is that the truth always rises to the top and now confirmed by my broker chase that my loan were paid in full prior to your ongoing wrongful actions on XXXX after XXXX XXXX register deeds supervisor XXXX assisted me to document deed fraud on XXXX. Then your fake client XXXX XXXX XXXX fake SSN numbers XXXX and XXXX and I reported the fake title as XXXX XXXX and he went on from your support to cash two XXXX escrow account checks in my name and I reported it as XXXX with XXXX XXXX XXXX XXXX stolen my identity XXXX claim XXXX and got four XXXX credit cards in my name ending XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXXXXXX XXXX credit card XXXX also from XXXX XXXX XXXX ext XXXX XXXX still claim unpaidXXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

Your scam led by XXXX XXXX of XXXX XXXXXXXX XXXX  has fake loan XXXX attached to my good loan without clear title in behalf of scammer for XXXX is Criminal Fraud. 

Please address your wrongness?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX has lied ongoing that you followed bank laws even under CFPB XXXX XXXXXXXX and one valuable lesson to be learned here is that the truth always rises to the top and now confirmed by my broker chase that my loan were paid in full prior to your ongoing wrongful actions on XXXX after XXXX XXXX register deeds supervisor XXXX assisted me to document deed fraud on XXXX. Then your fake client XXXX XXXX XXXX fake SSN numbers XXXX and XXXX and I reported the fake title as XXXX XXXX and he went on from your support to cash two XXXX escrow account checks in my name and I reported it as XXXX with XXXX XXXX XXXX XXXX stolen my identity XXXX claim XXXX and got four XXXX credit cards in my name ending XXXX, XXXX, XXXX, XXXX and XXXXl XXXX XXXX XXXX credit card XXXX also from XXXX XXXX XXXX ext XXXX XXXX still claim unpaid. XXXX  - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

Your scam led by XXXX XXXX of XXXX XXXXXXXX XXXX  has fake loan XXXX attached to my good loan without clear title in behalf of scammer for XXXX is Criminal Fraud. 

Please address your wrongness?

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have sent a debt validation letter several times to XXXX XXXX to validate the information it has placed on my credit report. 
I also disputed with the XXXX primary credit reporting companies XXXX, Transunion and XXXX to have this item removed from my credit report. 
I am writing to formally dispute the accuracy of certain information on my credit report. According to my records, there is a negative item that has exceeded the statute of limitations for reporting, and I request its removal. 
The specific item in question is an installment payment account XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian is impossible to deal with. I tried calling them multiple times to get a credit freeze removed, and could never get anything other than an automated response without being placed into a queue to speak to a specialist. Unfortunately I forgot my freeze pin and needed to go through this process. 
I tried to access my account online, and received errors in every case, the recovery text never arrived and the system denied me access even after recognizing my credentials. 
I sent a written letter since this was the only option, and received no confirmation of receipt or action on the freeze. I tried to find customer support email addresses, emailed them and got no answer. 

Someone really needs to do something about Experian 's customer service, it is downright adversarial. It shouldn't be this difficult to get verified and take action on a personal 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 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: MA

Complaint narrative:
I received a payment card with the XXXX logo from Block Inc. ( Cash App ). I never requested this card, do not want this card, and do not actively use Cash App. Unless I'm mistaken, sending someone an unsolicited payment card is a violation of Regulation Z Truth in Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: CA

Complaint narrative:
I received a copy of my credit report and found the following items to be " INACCURATE ''. 

XXXX. INACCURATELY REPORTING XXXX Account XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING FETTI XXXX Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING XXXX XXXX XXXXXXXX XXXX Account XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING XXXX XXXX XXXX Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING XXXX XXXXXXXX XXXX XXXX  Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING XXXXXXXX XXXX XXXX Account number ; XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING XXXX XXXX XXXX Account number : XXXX  VERIFY ACCURACY WITH ORIGINAL CREDITOR By the provisions of the Fair Credit Reporting Act, I demand that these 'ALLEGED '' items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.

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 2024-09-27 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
None of your options include issues with safe deposit boxes. This is the issue Ive had. I co-rent XXXX XXXX XXXX with my mother, XXXX XXXX at Regions Bank, XXXX XXXX XXXX, XXXX, GA XXXX. XXXX had the box since about XXXX. Over the course of the last XXXX years, Ive accessed it maybe XXXX or XXXX times. The last time I accessed it was in XXXX to get the title to my truck out of it. In addition, I had XXXX XXXX ounce gold coins and XXXX XXXX ounce silver coins. I left these coins in the box. My mother XXXX XXXX went to the bank on XX/XX/XXXX to get the coins and bring them to me since I had moved to Florida in XXXX and she was going to be visiting me. When she went that day on XX/XX/XXXX, the box was already open and the coins were gone.

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 2024-09-27 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: WY

Complaint narrative:
On XX/XX/year>, I applied for a mortgage with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  in XXXX, Wyoming at around XXXX XXXX  via their secure online portal. The loan application had myself and my husband listed as the borrowers. By XXXX XXXX  XX/XX/year>, my husband had received 3 phone calls from three different mortgage companies asking about our mortgage application. All three phone calls came from Nebraska area code phone number but none of the mortgage companies are in Nebraska. ( We have Nebraska phone numbers and assume the caller numbers were spoofed to entice us to answer them ) The first text was from XXXX XXXX with a picture of his business card from XXXX XXXX Loans in XXXX, MI. The second company sent a text and phone call from XXXX with XXXX XXXX XXXX  XXXX. I talked to XXXX and he claimed to have known my husbands credit score and told us that he had received our information from Transunion. I did get a call back number for him. The third caller claimed to have gotten our information from XXXX. I can give further details on the companies that contacted us. 

Our bank had never heard of any previous customer receiving phone calls like this and prompted us to file a complaint.

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 2024-09-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
We applied to XXXX XXXX and during the application process, they changed the rent price without any notification. Then when we got to the end and paid the admin fees, the confirmation page listed a much higher rent than we were quoted the same day. We went to the property to discuss and they were not willing to honor the original ( same day ) quote. They offered to refund us via mailed check, which we didnt really have a choice but to accept. A month later, we had not yet received the check, so we disputed the charge on the XXXX as the statement was closing. Then we received the check and cancelled the dispute, which has been repeatedly backed up by XXXXXXXX XXXX  partners ( property XXXX ) and Columbia Debt Recovery have been repeatedly harassing us to pay them the debt and speaking to us disrespectfully claiming that its our fault because we filed a chargeback. But the charge is still on our account, because we CANCELLED the chargeback! This was in XXXX. It is now almost XXXX. I want this to end!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I am writing in response to your letter dated XX/XX/year>, regarding my request to cancel the escrow account associated with my loan. After reviewing your response, I must express my disagreement with your findings. 

Firstly, I would like to highlight that my loan documents indicate that the establishment of an escrow account was optional and not mandatory. According to the Real Estate Settlement Procedures Act ( RESPA ), specifically under 12 U.S.C. 2605 ( e ), servicers are required to respond to a borrower 's qualified written request ( QWR ) and address the issues raised by the borrower. Therefore, I am formally submitting this as a qualified written request.

Upon review, it appears that my current Loan-to-Value ( LTV ) ratio is cited as 94.6 %. However, there is no stipulation within my original loan agreement that mandates an escrow account solely based on the LTV ratio. Additionally, the loan documents provide that the escrow account can be canceled upon request, provided certain conditions are met. I have met all other conditions outlined in your letter, and the LTV ratio alone should not be a disqualifying factor, especially since it was not explicitly required in the loan terms.

Furthermore, the terms of my loan agreement do not specify that the maintenance of an escrow account is compulsory if my LTV exceeds a certain percentage. Given this, I request that the escrow account be canceled as per my initial request. 

Please treat this correspondence as a formal and qualified written request under RESPA. I urge you to reconsider your position and proceed with the cancellation of my escrow account. If my impounds are not removed, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

I appreciate your prompt attention to this matter and look forward to your favorable response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: NY

Complaint narrative:
Upon checking my credit report, I noticed various billing mistakes. The late payments do not correspond to my regular payment history.

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 2024-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Conn's, Inc.
State: OK

Complaint narrative:
So apparently the account settlement plan was canceled due to a failed payment. The company did not notify me in any of the subsequent phone calls and until.i asked for verification of the amount today. I've made payments believing that the plan was still active. Then refused to reinstate the plan and offered another plan at a higher amount. I will accept the plan bur the agents all failed to do their due diligence as each time I called I specifically mentioned the settlement plan. 

I did become very irrate and belligerent but the agent matched the energy and then gave off a condensending tone with remarks making fun of the situation. He literally said " it's your debt and get your financial situation " in the rudest tone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After a detailed review of my recent credit report, I've identified several accounts that appear to be inaccurate and were added without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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 am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC for myself XXXX XXXX last four Social Security number is XXXX, DOB : XXXX  Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: MT

Complaint narrative:
In XX/XX/year> my debit card was stolen and my bank account drained. Chime paid back half but is continuing to deny {$130.00} in refunds for unknown reasons and keep telling me I didnt provide enough evidence. 

I have provided two police reports, letters from my work showing I was not there, XXXX tracking showing I was personally in another part of the state at the time transactions happened. I have provided a hand written letter stating the situation and requesting them to contact me if further information is needed and they continue to deny a refund. All others submitted the same time were approved

Company response to consumer: Closed with monetary relief