vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 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: GA

Complaint narrative:
I have previously disputed XXXXXXXX XXXX XXXX / Reference # XXXX with XXXX, XXXX, and Transunion and in response they verified the item as accurate stating that have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Please delete.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have previously disputed XXXX XXXX XXXX / Reference # XXXX with XXXX, Equifax, and XXXX and in response they verified the item as accurate stating that have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: FREEDOM FINANCIAL NETWORK
State: GA

Complaint narrative:
I sent the company Achieve Loans a cease and desist letter to stop contacting me and they are still harassing me everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: GA

Complaint narrative:
I discovered that three accounts had been opened in my name on my credit report by a company called XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts were opened without my knowledge or consent, and I did not permit them to open XXXXXXXX XXXX credit card in my name. During a timeshare presentation I attended, they requested a soft pull to see my membership options. However, I later discovered that they had performed three hard pulls on my credit report, and to my surprise, I received XXXXXXXX XXXX  credit card in the mail after returning home. When I tried to cancel it through XXXX, they refused, and XXXX also refused when I reached out to them. This is a deceptive business practice, and they have used my credit information to open an account without my authorization, knowledge, or consent. Before attending the timeshare presentation, my credit score was XXXX. Still, now, due to the addition of these inquiries and the account to my credit, it has dropped to XXXX, making it challenging for me to move into a decent home. I want this account removed from my credit report immediately because I did not authorize it. I have already disputed the account, but the credit bureaus ignored my request for removal and my right to an investigation.

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 2023-10-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: World Acceptance Corporation
State: MS

Complaint narrative:
i dont have any account number they can not provide me anything all i have is the warranty deed copy that they sent me and whenver i pay the house its only my name on the reciept no additional information my address is not even listed to the reciept.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to follow up on my previous complaint, XXXX ID XXXX, regarding inaccurate information on my credit report provided by TransUnion. It has been over 30 days and despite my efforts to rectify the situation, the issue persists, and I seek your assistance in resolving this matter. 

Upon reviewing the copy of my credit history report from TransUnion, I observed several inaccuracies that have a detrimental impact on my creditworthiness. I promptly contacted TransUnion to dispute and request the removal of this inaccurate information, but they have refused to take corrective action, asserting that your company, TransUnion, deems the reported data as accurate. However, I firmly believe that the information is indeed incorrect. 

Here are the details of the inaccuracies : 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 I reiterate that the inclusion of this inaccurate information is causing severe damage to my credit. I kindly request that you promptly investigate this matter and take the necessary steps to rectify the inaccuracies in my credit file. Additionally, please confirm with me within 20 days that you have contacted the credit bureaus to correct this information.

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 2023-10-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to follow up on my previous complaint, Case ID XXXX, regarding inaccurate information on my credit report provided by Experian. It has been over 30 days and despite my efforts to rectify the situation, the issue persists, and I seek your assistance in resolving this matter. 

Upon reviewing the copy of my credit history report from Experian, I observed several inaccuracies that have a detrimental impact on my creditworthiness. I promptly contacted Experian to dispute and request the removal of this inaccurate information, but they have refused to take corrective action, asserting that your company, Experian, deems the reported data as accurate. However, I firmly believe that the information is indeed incorrect. 

Here are the details of the inaccuracies : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX I reiterate that the inclusion of this inaccurate information is causing severe damage to my credit. I kindly request that you promptly investigate this matter and take the necessary steps to rectify the inaccuracies in my credit file. Additionally, please confirm with me within 20 days that you have contacted the credit bureaus to correct this information.

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
The Current debit card was sent to me, I used it, paid balance and now the card company says they can not find my phone number or email address. The company will not assist me in any way I am afraid someone is using my card and I can not close the account. I can not even log in to view my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: ID

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-30 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-30 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: PA

Complaint narrative:
( Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThe following personal information is incorrect. The personal data reporting 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 non-monetary relief
Consumer complaint received 2023-10-30 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: PA

Complaint narrative:
( Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe following personal information is incorrect. The personal data reporting 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 2023-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Our escrow check was mailed to another client with a mortgage from Chase and cashed via mobile banking from a XXXXXXXX XXXX in a different state ( XXXX PA ), check # XXXX in the amount of {$5600.00} cashed on XX/XX/XXXX with a routing # XXXX.We received someone else 's escrow check that we immediately returned to Chase as the name on the check was not ours. We then never received our check. We have spoken to XXXX XXXX, XXXX XXXX, XXXX XXXX to name a few. We have been sent numerous times to call centers in XXXX and other countries only to have to begin the escalations again and continually get transferred. Chase lost or claimed to not be able to read our first documents that were sent in XXXX that sent 3 ways : via email, fax, and snail mail. Escalations began on XX/XX/XXXX when we realized that our excess escrow money was NOT rolled into reducing our mortgage payments. I was sent a copy of the fraudulent check from Chase who tried to claim no fault. Same thing from XXXX. There are two names on our check and both banks have our signatures on file and we always made to both sign as we have separate checking accounts- whomever mobile deposited this check did so with one scribble and a click of their phone. 
We have filed multiple forms, multiple times, met with XXXX reps, had a minimum of over XXXX calls in over 6 months totaling 80 + hours of our time trying to get our check reissued and have someone take responsibility. These banks have insurance to cover this and it has gone way beyond the time frame allowed for resolution. We have gone to XXXX ( who allowed this to be cashed ) and still no one is taking responsibility. We have been to fraud, to escalations ( chase escalations # XXXX ) to our mortgage lender to a law office. We are extremely frustrated with how we are being placated with " we are working on it '' and no one is trying to make good on their error. We have done nothing wrong except to uncover the fraud and attempt to get our escrow check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I wanted to pay off the card for a reduced amount because I have been paying on this card for years about {$100.00} a month. And I haven't used it for at least three years or more as well but the amount go up or stay the same. I know I used the card and the money. But I asked them for a little help with a smaller payment for a few months they wanted more. So I stared making payments I could afford and they close the account so I couldn't make any payments. So I was getting a home equity loan to pay off the card and I called in for a amount they would take to close the account. I got an amount but I'm XXXX  and I have XXXX and I had a XXXX after I talked to them and I can't find the amount I wrote down. And now they want me to go back to making payments even smaller ones now. I feel they are taking advantage of me I just want to be done with them. They force me to use my SSN # after I gave them all the information they asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: VA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received notice someone applied for a credit card. I called and credit card company stated someone applied for a credit card Venture Visa card. It was not me. We have canceled the card and it has been flagged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am saddened with the result that I got when I saw my credit report. I send many dispute and still you cant remove the inaccurate information. The furnisher failed to send me a proof to support their claim on status of these accounts and yet you guys are able to verify your account? How can you verify these accounts? How can you verify these when the furnisher cant? 

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 non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am saddened with the result that I got when I saw my credit report. I send many dispute and still you cant remove the inaccurate information. The furnisher failed to send me a proof to support their claim on status of these accounts and yet you guys are able to verify your account? How can you verify these accounts? How can you verify these when the furnisher cant? 

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Early in 2023 I applied for a credit card from XXXX, through Synchrony Bank and was approved with a credit limit of {$1500.00} and i did not get an actual card from them for XXXX months as they kept saying it was mailed but I never received it. I finally received the card XXXX weeks ago and used it a single time for a purchase of {$200.00} or 12 % of the available credit. 

Subsequently, I received the attached letter advising that my credit limit had been reduced to {$200.00} based on a review of my " credit worthiness ''. This decision negatively impacted my credit score because this reduction resulted in a negative impact on my credit as it now shows that I have used 95 % of the available credit on this card.

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 2023-10-30 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: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Federal Adjustment Bureau Inc, XXXX XXXX XXXX, has violated my rights. 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 an account without my written instructions. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts. Please provide SSA-FORM 89 in addition to the sign rental agreement and/or contact information. A ledger without a signature is not a form of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I swear the only way to get a resolution on the bank side is filing CFPB complaint or I'll never hear back, this is a poor customer experience and bad business practice. Bad enough I'm unemployed due to lay off, but I've yet to receive any unemployment funds or help from the bank. I've done the majority of the work for the bank, I cant find my own money or we wouldn't be having this conversation. 

I set up direct deposit and checks were confirmed sent but no deposit received to date. I was able to confirm routing #, but not acct # with the company. It's possible they didn't provide the acct # when checks were sent and the payment is abandoned. I contacted C1 on XX/XX/XXXX and provided the information below with no response, update, research information, nothing. I had to opt for their prepaid debit card in the meantime to access other funds, huge inconvenience because now I have to transfer those funds and wait 2 more days. This is impacting my ability to pay other bills. 

Company name : XXXX  XXXX XXXX Date, amount, check # : XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$680.00} XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$340.00} XXXX XXXX : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted.

Company response to consumer: Closed with non-monetary relief