vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX  XXXX - XXXX - {$9600.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.

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 2025-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
We moved out of our apartment in XX/XX/year> but was unable to turn in the keys to a clean apartment because : our AC was broken for MONTHS and the apartment was aware of this but stated they didnt have the funds to fix it ( the AC was not fixed by the time we had moved out which was at least 2 months by then ) which led to inhumane temperatures that we could not stand doing any activity in ( such as cleaning! ), the latest email communication I have with the property was stated how I owed {$0.00}, yet received a letter from the debt colllectors which I did attempt to dispute, but was disregarded. I want to state, not once were we late on rent, ever, and I know too many that were, so for that alone, they shouldve been understanding or fixed the AC and then we wouldve had no problem returning keys to a clean unit!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AMERISAVE MORTGAGE CORPORATION
State: CT

Complaint narrative:
XXXX detailed an escrow difference in reply to a prior complaint regarding increase in monthly payment amount, this difference appears to have caused payment to increase. A payment in amount of {$1300.00} was made to cover XXXX payment, account is currently past due for XXXX and XXXX. Prior to this, I intended to make a payment in amount of {$2000.00} to cover XXXX as well as part of XXXX, however, payment from XXXX XXXX, in said amount, did not arrive. XXXX with XXXX requested I pay difference in escrow amount, which is unavailable to me at this time, however, previous payment amount of {$1300.00} already made in which case, I would not be able to pay full escrow difference. I understand my homeowners insurance decreased in amount of {$100.00} roughly, I request XXXX use payment amount of {$1300.00} towards escrow difference mentioned in their prior reply, split it between 12 months to lower monthly payment and include insurance premium difference of {$100.00} in their assessment, if possible. I'm due to start a second job with XXXX XXXX, as soon as background check is complete, payments should be made on time going forward.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
Subject : Fraud Dispute and Immediate Blocking Request Under FCRA 605B ( 15 U.S.C. 1681c-2 ), ( a ) Dear XXXX XXXX Department, I am writing to formally dispute fraudulent accounts that appear on my credit report and to demand that these accounts be blocked immediately under FCRA 605B ( 15 U.S.C. 1681c-2 ), ( a ). I have been a victim of the credit breaches and identity theft, and the following accounts do not belong to me : XXXX XXXX Lowes XXXX I have also filed a formal dispute regarding these accounts through the Consumer Financial Protection Bureau XXXX CFPB XXXX and have included a copy of my FTC Identity Theft Report to substantiate my claim. Under the FCRA, I am requesting the immediate blocking of these accounts from my credit file to prevent further harm to my creditworthiness. 

Supporting Documentation FTC Identity Theft Report- Copies of my government-issued identification Actions Requested Immediate Blocking of Accounts : As required under FCRA 605B, subsection ( a ), these accounts must be blocked from my credit report without delay. 

Notification of Actions Taken : Please provide written confirmation once the fraudulent accounts have been removed or blocked from my credit report. 

Failure to comply with these legal requirements will result in further action, including additional complaints to regulatory agencies and potential legal remedies. 

Please direct all correspondence regarding this matter to the address provided above or via the email address listed. I appreciate your immediate attention to this matter and look forward to the resolution of this issue. 

Sincerely,

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 2025-01-22 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: NC

Complaint narrative:
Subject : Fraud Dispute and Immediate Blocking Request Under FCRA 605B ( 15 U.S.C. 1681c-2 ), ( a ) Dear Experian Fraud Department, I am writing to formally dispute fraudulent accounts that appear on my credit report and to demand that these accounts be blocked immediately under FCRA 605B ( 15 U.S.C. 1681c-2 ), ( a ). I have been a victim of the credit breaches and identity theft, and the following accounts do not belong to me : XXXX XXXX XXXX  XXXX I have also filed a formal dispute regarding these accounts through the Consumer Financial Protection Bureau XXXX CFPB XXXX and have included a copy of my FTC Identity Theft Report to substantiate my claim. Under the FCRA, I am requesting the immediate blocking of these accounts from my credit file to prevent further harm to my creditworthiness. 

Supporting Documentation FTC Identity Theft Report- Copies of my government-issued identification Actions Requested Immediate Blocking of Accounts : As required under FCRA 605B, subsection ( a ), these accounts must be blocked from my credit report without delay. 

Notification of Actions Taken : Please provide written confirmation once the fraudulent accounts have been removed or blocked from my credit report. 

Failure to comply with these legal requirements will result in further action, including additional complaints to regulatory agencies and potential legal remedies. 

Please direct all correspondence regarding this matter to the address provided above or via the email address listed. I appreciate your immediate attention to this matter and look forward to the resolution of this issue. 

Sincerely,

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
Zelle failed to disclose certain information before sending payment to someone. That resulted in me losing my money because payment was sent to wrong person and Zelle couldnt return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is my third complaint about fraudulent information on my report they are stating that I am not an authorized party to the account If this is true then why is it on my credit report They are reporting information in error to my report that I am not a party to until this matter gets investigated IT MUST BE REMOVED FROM MY REPORT ESPECIALLY IF I AM NOT A PARTY TO THE ACCOUNT YOU HAVE INCORRECTLY REPORTED FALSE INFORMATION TO MY REPORT REMOVE IT BEFOR I CLAIM DAMAGES IF I DIDNT GET FULL DISCLOSURE BEFOR BEING REPORTED IT CAN NOT BE REPORTED ACCORDING TO THE FEDERAL LAW 15 usc 1681c this account now or provide full accounting showing that you provided me XXXX  XXXX credit if u can not remove it from my report any denial of my rights will come at a cost set by the only real bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
i called to have the account removed after i paid the balance which they said they would the account is still reporting on all three bureaus i call them back to ask to hear the recording because they said they never agree to remove the account after it was paid the XXXX said the agent never agree to have the account removed he said it was a misunderstanding i ask for proof he said he cant let me hear the recording also on my account thats reporting on experian and XXXX and says collection account and on XXXX XXXX its says open account for account status also no balance update on experian on XXXX balance updated on XX/XX/XXXX on XXXX XXXX balance updated XX/XX/XXXX the lied about removing the account after it was paid wont let me hear the recording and reporting inaccurate information on the bureaus i really need help on removing this from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
Equifax always responds within XXXX hours that the account is accurate, without providing any evidence of the investigation. This violates the Fair Credit Reporting Act ( FCRA ) which mandates a reasonable investigation of disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 an auto loan account opened at under the XXXX XXXX on XX/XX/year> under the account number ( private ). I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: TX

Complaint narrative:
A few weeks ago, I disputed some unrecognized charges to Chime. Not realizing what they were and submitting support which I thought would help but it was denied but I know for a fact I didnt make those charges! Realizing that I was a victim of fraud because I was referred to a lady from social media, who advertised helping with business funding. I provided her with my valuable information and she took advantage by stealing my money and not providing any services. And it is bothering me because my money was taking, innocently. I contacted the local police department and filed a claim and provided all the documentation I had. They instructed me to reach back out to Chime and give you all the information needed so XXXX could conduct an investigation because I was a victim of fraud! I have provided the police information alongside documentation I provided the recipient my information with intentions of her providing services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: 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. 

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 2025-01-22 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: NC

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-01-22 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: NC

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-01-22 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have already filed multiple complaints and due to the Fair Credit Reporting Actk, XXXX  XXXX is failing to comply with the ACT. As required by law, XXXX XXXX  has not satisfactorily investigated my claims. I am also feeling age and XXXX XXXX  because when I call to try to explain that I AM NOT the person that opened the account, the agent on the line disrespects me and puts me on hold and XXXX of them said they spoke with me already. I Assured them that They DID NOT speak with me. i feel they have broken the legal obligations to fairly investigate my information and make this right for me. I have been denied retirement and military right and services due to me under the AGENT XXXX XXXX VA benefits because XXXX  XXXX is reporting something that I NEVER opened. I wish to start a class action suit of somekind against this company for opening a credit card in my name without verifying that it was me. I believe they did this once before.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already filed multiple complaints and due to the Fair Credit Reporting Actk, XXXX XXXX XXXXs failing to comply with the ACT. As required by law, XXXX XXXX  has not satisfactorily investigated my claims. I am also feeling age and XXXX discrimination because when I call to try to explain that I AM NOT the person that opened the account, the agent on the line disrespects me and puts me on hold and one of them said they spoke with me already. I Assured them that They DID NOT speak with me. i feel they have broken the legal obligations to fairly investigate my information and make this right for me. I have been denied retirement and military right and services due to me under the XXXX  XXXX XXXX VA benefits because XXXX XXXX is reporting something that I NEVER opened. I wish to start a class action suit of somekind against this company for opening a credit card in my name without verifying that it was me. I believe they did this once before.

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