vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : 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 2024-08-13 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : 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 2024-08-13 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: Westcreek Financial
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/year> Responsibility Individual Account Account Type installment Loan Type LEASE Balance {$4500.00} Last Payment Amount {$0.00} Original Amount {$4600.00} Past Due {$450.00} This is not my account. I've filed a police report, reported to the credit bureaus, reported to Koalifi,... it is identity theft. I've reported to my bank as well as disputed with credit bureaus. Koalifi did not verify info with ID, ... the product went to a location on the other side of the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: CA

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.

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 2024-08-13 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: TX

Complaint narrative:
I am submitting this complaint to include the following fraudulent account I recently noticed that is being reported as a collection and hurting my ability to obtain credit. Please remove the following fraudulent collection account - 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 2024-08-13 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: TX

Complaint narrative:
I am submitting this complaint to include the following fraudulent account I recently noticed that is being reported as a collection and hurting my ability to obtain credit. Please remove the following fraudulent collection account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I did a balance transfer on a chase credit card. I still use that card for transactions. I made an over payment to pay off the high apr transactions. The next month I did the same thing provided an over payment to pay off high apr transactions. They applied the overpayment of each transaction to the low apr balance transfer and not to the high apr transaction amount. Thus my balance transfer decreased by the amount of the over payment and they increased and rolled over the amount of my high apr transactions. 
Improperly allocating payment per the credit card act of XXXX. My low apr balance transfer amount decreased by XXXX and not by XXXX which is the minimum payment that should have been allocated to the low apr balance. Now my high balance increased and they explained I cant pay it off with out paying the total balance transfer off first. I called XX/XX/XXXX to rectify the issue. They said they would make a ticket and I would hear back in a week. I did not receive correspondence regarding complaint. I called back XX/XX/XXXX. Found out the failed to submit the ticket. Then proceeded to explain there is no way to pay down the high apr amount and would not provide written disclosure of payment allocation. I cited fair credit card act of XXXX. The still would not provide clear communication on how the payments were allocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLAZA HOME MORTGAGE, INC.
State: NC

Complaint narrative:
Since XX/XX/XXXX, Ive received 7 letters regarding required hazard insurance. The company has been responding to email inquires spanning over 6-months without resolution. This has caused me extreme mental anguish. The most recent letter dated XX/XX/XXXX. My original mortgage did not require additional coverage. My loan closed in XXXX, then a year later in XXXX, this company is mandating coverage. NC does not require wind/hail insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have no knowledge of the mentioned inquiries, and I respectfully request that you address this matter promptly. Supporting documents have been enclosed for your reference. Kindly investigate the matter and take necessary actions for its resolution.

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 2024-08-13 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: FL

Complaint narrative:
Upon reviewing my credit report, I discovered fraudulent accounts listed. Please take the necessary steps to remove these accounts as they are negatively impacting my creditworthiness. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-13 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was approved for {$300.00} I was paying kohls on time {$27.00} if there was a late i would double the next month so back in XX/XX/XXXX i ordered pillows and towel set that was supposed to be shipped as one full order but wasnt at this time i lived in and loft where packages left unattended where people can come straight in and leave right out there where no managers in this building or receptionist. I was supposed got the items in XX/XX/XXXX but never did even though they said delivered so we went back in forth about this and the agent talk to a supervisor and i hold them to closed the account because of items i didnt recieved that i want that charge of {$84.00} reversed off my card becaused they had already charged my account just mind i just paid my XXXX payment of {$27.00} which my account was at the time {$210.00} witch made my bil XXXX. Which i was under the impression they was taking the charge off my account closing the account that day. I told them i was going to be moving in XXXX and to send the bill to the new address that i gave them because i had mail forwarded early to a different address because i new how slow usps is delivering mail. That my account was going to be closed i wont be able to used it anyway online so i gon na call in payments. But didnt here from them offical closed account untill XX/XX/XXXX when they agreed to closed the account in XXXX the XXXX  me month i XXXX recieve the item. I the reciept of last payments and charge im talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 5 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a charge account opened at XXXX XXXX opened XX/XX/XXXX under the account number XXXX, an secured loan account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX, an secured loan account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX. Theses accounts have resulted in several fraudulent hard inquiries and collections appearing on my fraudulent items be removed from all reports These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I dont owe XXXX anything or at least this amountXXXX owed me an credit and they never applied the credit to my account So I told them I was paying anything until they apply the credit to my account.So they decided to closed out my account and send me to collections The amount being reported to my credit report is inaccurate and incorrectIm asking for the original contract with terms and conditions.I want a copy of all the statement for the account history I was suppose to receive reduced phone bill serviceI was apart of an Affordable Connectivity ProgramThey were by law suppose to reduce my phone bill to like {$30.00} a month .They also owed me a bill credit They never paid meSo I didnt payI stop paying because I got tired of arguing with the foreign call center repsI told them Im paying until credit my account and you give the federal assistance program. 


I will be filing a federal lawsuit against XXXX and Credence resource management for unethical business practicesI may also do a federal class action lawsuit for others who have dealt with this I will also be contacting the FCC about this matterI will also be contacting the TX Attorney General and Maryland attorney general about this serious important matter This is a clear violation of the FDPCA and FCRA.Which are grounds for a federal lawsuit Im also asking that they cease and desist from communicating with me via mail telephone and email .After reciept of this complaint/dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: MS

Complaint narrative:
Based on, 15 U.S. Code $ 1681c - 2 a consumer reporting agency shall block the reporting of any information in the the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.

Under 15 U.S Code 1681e ( b ) & 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accuracy.

In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights.

Pursuant 15 USC 1681 section 602A states I have rights to privacy Pursuant 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

I am requesting the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all of the listed items above. You are required to do what I'm asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE

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 2024-08-13 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Based on, 15 U.S. Code $ 1681c - 2 a consumer reporting agency shall block the reporting of any information in the the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.

Under 15 U.S Code 1681e ( b ) & 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accuracy.

In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights.

Pursuant 15 USC 1681 section 602A states I have rights to privacy Pursuant 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

I am requesting the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all of the listed items above. You are required to do what I'm asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
ON XX/XX/year> I made a balance transfer from a Citi credit card to a XXXX XXXX XXXXXXXX credit card. The credit card number I gave to XXXX XXXX XXXXXXXX for the transfer was entered incorrectly. Citi accepted the funds and are now refusing to return the funds.

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 monetary relief
Consumer complaint received 2024-08-13 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: AL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-08-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello! so according to the texas child support attorney office they dont have to abide by and laws. on XX/XX/year> i reached out to the child support office to send me the terms and conditions saying you guys can report my information and any agency without my consent they could not provide and according to U.S CODE 15 1681C IT IS ILLEGAL and i wanted it removed they response was get an attorney. so i asked Experian, XXXX, and XXXX to have it removed i got nowhere.

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