vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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: MD

Complaint narrative:
I have done an investigation on my credit report and found several items listed on there to be inaccurate. I have filed a report with the FTC and I have sent 7 certified letters demanding these inaccuracies be deleted from my credit report and they still have not been verified or removed. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) : If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I have attached the FTC report and document highlighting the inaccuracies. I appreciate your prompt attention and cooperation in resolving this efficiently. Accurate reporting is crucial for credit information credibility and I trust your agency will handle this with the necessary diligence. 

Please remove the following items from my credit report, immediately 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 non-monetary relief
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
There are multiple different addresses on all 3 credit reports that are not associated with myself at all so once removed I can see which accounts may be fraudulent.

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 2024-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I applied for a loan ( {$12000.00} ) on XX/XX/year> through Goodleap , LLC, a California lending company for ductwork to be replaced in my attic. XXXX funded the XXXX XXXX, XXXX, the XXXX company even though the XXXX company did not complete the work. I had to pay another XXXX  company {$1200.00} to complete the job which XXXX XXXX did not complete. I am out an additional {$1200.00}. Goodleap refuses to reimburse me the {$1200.00} I paid out to the second XXXX  company,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: AZ

Complaint narrative:
I am writing to dispute inaccurate information appearing on my credit report. Specifically, the following names and addresses are listed on my report as past residences where I have never lived and names that are not mine : XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 ( this address is not mine ) I have confirmed that I have never resided at any of these addresses and have no connection to them whatsoever. The inclusion of these inaccurate addresses is damaging to my credit report and potentially impacting my ability to obtain credit, employment, and other benefits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: AZ

Complaint narrative:
I am writing to dispute inaccurate information appearing on my credit report. Specifically, the following names and addresses are listed on my report as past residences where I have never lived and names that are not mine : XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> ( this address is not mine ) I have confirmed that I have never resided at any of these addresses and have no connection to them whatsoever. The inclusion of these inaccurate addresses is damaging to my credit report and potentially impacting my ability to obtain credit, employment, and other benefits.

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 2024-05-13 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: CT

Complaint narrative:
I am writing to dispute the accuracy of information on my credit report. Upon reviewing my report, I discovered XXXX  accounts that appear to be fraudulent and not authorized by me. The accounts in question are as follows XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Credit Card Balance : {$100.00} ( as of XXXX XXXX, XXXX ) Credit Limit : {$700.00} Status : Closed Payment History : Account is shown as closed with no late payments XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Credit Card Balance : {$740.00} ( as of XX/XX/XXXX ) Credit Limit : {$750.00} Status : Open Payment History : Account is shown as open with no late payments I have never initiated or authorized the opening of these accounts. Therefore, I request that they be investigated and promptly removed from my credit report. 

Moreover, the account information provided for the XXXX account includes a statement regarding the normal discrepancy between the balance reported and the balance on the credit card statement. While I understand this practice, I would like to emphasize that the reported balance of {$740.00} significantly exceeds any balance I have ever held on a credit card. This raises concerns about the accuracy and legitimacy of the reported information. 

Furthermore, I assert my rights under the Fair Credit Reporting Act ( FCRA ) and demand that these accounts be thoroughly investigated and removed from my credit report within the legally mandated timeframe. I have enclosed a copy of my police report documenting the fraudulent activity for your reference. 

Please provide written confirmation once these fraudulent accounts have been removed from my credit report. Additionally, please inform me of any further steps I need to take to ensure the integrity of my credit profile. 

Thank you for your prompt attention to this matter.

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 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023, Chase Bank closed my joint account with my boyfriend. At the time of closure, the total remaining balance across joint accounts was {$6400.00}. However, as of today, 170 days after the account closures, I still have {$2800.00} that haven't been returned yet. Despite numerous inquiries, Chase has not provided a clear reason for the closure or the prolonged withholding of the funds. The only response I have consistently received is that they are " investigating '' the situation. This delay and lack of communication are concerning, especially since I have not engaged in any activities that would breach the terms of the account or justify such an investigation. The prolonged investigation and the bank 's failure to provide updates or reasons for the hold on my funds lead me to suspect that the bank might be using my funds for purposes other than a simple investigation. I am seeking an immediate explanation for the account closures, a detailed update on the ongoing investigation, and the prompt return of the remaining balance of {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.

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 2024-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Columbia debt recovery is validating my rights by placing information on my credit report that is inaccurate. I have never done any business with any company that is associated with Columbia debt recovery and I have never signed any contract with that company either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
Phh please work with the CFPB moving forward to get your client XXXX XXXX XXXX out of my property now that appears XXXX XXXX finally confirmed in an letter case XXXX and connected my property XXXX XXXX XXXX to the loan XXXX dated XX/XX/year>. On the same date is a letter from XXXX case XXXX ADDRESSING ME AS OWNER. 

I am not sure how this works since I've never done business with phh mortgage but suggesting you work with chase and the CFPB and quickly get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
There are multiple different addresses on all 3 credit reports that are not associated with myself at all so once removed I can see which accounts may be fraudulent.

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 2024-05-13 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: FL

Complaint narrative:
There are multiple different addresses on all 3 credit reports that are not associated with myself at all so once removed I can see which accounts may be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: CT

Complaint narrative:
I am writing to dispute the accuracy of information on my credit report. Upon reviewing my report, I discovered two accounts that appear to be fraudulent and not authorized by me. The accounts in question are as follows : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Credit Card Balance : {$100.00} ( as of XXXX XXXX, XXXX ) Credit Limit : {$700.00} Status : Closed Payment History : Account is shown as closed with no late payments XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Credit Card Balance : {$740.00} ( as of XX/XX/XXXX ) Credit Limit : {$750.00} Status : Open Payment History : Account is shown as open with no late payments I have never initiated or authorized the opening of these accounts. Therefore, I request that they be investigated and promptly removed from my credit report. 

Moreover, the account information provided for the TBOM/CONTFIN account includes a statement regarding the normal discrepancy between the balance reported and the balance on the credit card statement. While I understand this practice, I would like to emphasize that the reported balance of {$740.00} significantly exceeds any balance I have ever held on a credit card. This raises concerns about the accuracy and legitimacy of the reported information. 

Furthermore, I assert my rights under the Fair Credit Reporting Act ( FCRA ) and demand that these accounts be thoroughly investigated and removed from my credit report within the legally mandated timeframe. I have enclosed a copy of my police report documenting the fraudulent activity for your reference. 

Please provide written confirmation once these fraudulent accounts have been removed from my credit report. Additionally, please inform me of any further steps I need to take to ensure the integrity of my credit profile. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I recently opened a BMO checking in savings online in got approved for the accounts I go to login in 2 days later this bank took my deposits out of my account then frozen my accounts. I went to the branch to pickup my debit card every was fine now they saying they cant do any business with me with I have a online account with them also had for 2 years I never wrote any bad checks on my account or anything just deposits cash in my account the most I did on my BMO account was file a dispute for money taken out of my 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 2024-05-13 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: IL

Complaint narrative:
I noticed that there were some inquiries on my credit profile that don't belong to 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 non-monetary relief
Consumer complaint received 2024-05-13 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: CA

Complaint narrative:
XXXXXXXX XXXX  is inaccurately reporting payment history and fails to provide closed account data. I have requested them to provide me with the payment history and closed date and they do not provide me with the details. They are reporting CO on mulitliple months and that is unfair credit reporting. I have asked Experian to update or remove. They do not and they do not provide me with correct information either.

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 2024-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: HI

Complaint narrative:
The long and the short of it is I've been locked out of my account ( in joint with my wife ) for withdrawing approximately XXXX USD to my checking account at my local bank for investment purposes ( it's where all the money came from initially ). 

It's worth noting that the XXXX transfer went through without issue. My account was locked AFTER that, but BEFORE I tried to move some more over. Baffling. 

If they suspected something was amiss, they didn't bother to block the initial transfer, nor did they contact me via all means necessary ( phone, e-mail, etc -- they have all my contact information ). They just let the money sail and locked me account afterwards. 

When I received ( and missed ) a call from Marcus, upon calling them back, they insisted I needed to be sent a 'one time code ' to unlock my account, but that my phone number isn't registered in my name. It is and has been for several years, now. I'm with XXXX XXXX XXXX pre-paid, if it matters. 

Now, I'm stuck in a loop where I call to inquire about having my account unlocked and they insist they can't help me because they 'back office ' needs to handle it directly. 

I've already missed an investment window because of this and they're still dragging their feet about getting back to me. It's literally costing my wife and I money and apparently there are a lot of people having similar problems. 

I've provided all the information requested multiple times, I even had one woman ask me for my entire social security number to check an 'alternative " database, which struck me as ridiculous ( I didn't give it to her ), without so much as a call back from this mysterious 'back office '. 

As they insist on pointing out, all calls are recorded for quality control purposes, so they're free to go back and verify everything I've stated. 

This began on the XXXX of XXXX ( the initial call from Marcus, post XXXX transfer that was initiated days earlier ), I called back to no resolution. 

My next call was on the XXXX. No resolution. 

Today, the XXXX, I tried again. No resolution. 

Now, I'm submitting a complaint with the government, because banks in America shouldn't operate like a crime racket.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: PA

Complaint narrative:
FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the accounts listed contain inaccuracies in reporting, including incorrect amounts and dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP
State: CO

Complaint narrative:
US Bank Relicard doesn't allow you to transfer funds to a bank account. I bank with a credit union. I have to call to get the limit changed so I can withdraw the total amount my rent exceeds the withdrawl limit so I have to call, request the limitbe removed, wait 2 days, go to US bank and make the withdrawal, then go to my creditunionand depositit just to pay my rent. In addition I am XXXX. I risk going into XXXX  every time I leave my house and I am not allowed to drive due to my XXXX. I have to pay for an XXXX, go to US bank, pay for XXXX again, go to a credit union and then pay for another XXXX to get home. I spend roughly XXXX weekly just to do this 4 times a month. I can not take public transportation due to risk of allergans causing XXXX, venom  from insects and exposure to sunlight that can cause XXXX. It's roughly XXXX a month. Colorado State is using a service that will not validate my perfectly valid account at XXXX and refuses to provide the name of the company validating the account. Inhave been on unemployment in the past and had direct deposit that worked. I have no way to fix this issue. I have contacted US Bank, the governor, the Lt Governor, all state representatives in my district and the head of XXXX in Colorado and no one from the state has responded. US Bank will not address the issue. XXXX will not release the name of the vendor validating financial institutions. My rights as a XXXX person are being completely trampled and absolutely no one cares. I could pay all my monthly bills except for rent with what I pay just for transportation to put the money in my bank 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