vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 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: Global Lending Services LLC
State: FL

Complaint narrative:
I have filed an FTC REPORT as these inquiries where not done with my knowledge or consent XXXX XXXX {$840.00} as of XX/XX/XXXX they have put this account into collections I have no knowledge of this global lending service ran a credit report XX/XX/XXXX XXXX XX/XX/XXXX without my knowledge im not sure what this was for XXXX XXXX ran a credit report XX/XX/XXXX XX/XX/XXXX not sure why XXXX XXXX XXXX ran a credit report on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ran a credit report on XX/XX/XXXX XXXX XXXX  rand a credit report on XX/XX/XXXX XXXX  XXXX XXXX XXXX a credit report on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX credit report on XX/XX/XXXX XXXX XXXX  ran a credit report on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX a credit report on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-10-16 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: MD

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received a letter regarding a debt claimed to be owed by me from XXXX XXXX XXXX a debt collection company used by TD bank. 

Upon asking for verification not only did they not send me my information, but the company also violated the Fair Debt Collection Practice Act by providing me someone else 's full information including sensitive data such as social security numbers, driver 's license numbers and more. 

I did reach out and formally complain with the company, I was told they will launch an internal investigation, and they advised me to destroy the documents I received, and they would let me know If my information was sent out to someone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-16 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: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: IL

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I requested that AMERICAN EXPRESS Credit Card Company update the balance to XXXX on all my credit bureau reporting agencies after I settled and paid off a XXXXold debt on ( XXXX ) separate credit cards that had already been written off, charged off, and out of PA STATE statute of limitations, despite paying off these. I was also told to send a copy of my bank statement showing the posted transactions. They have been giving me a run around from my numerous requests to update these XXXX credit card balances to {$0.00}. I have disputed this five times with no resolution from XXXX, XXXX, XXXX, and XXXX, and there have been no results. This is why I am asking the CFPB to intervene, as I am applying for a loan/mortgage, and this incorrect information is hindering my dream of purchasing my first home

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency : Midland Credit Management Address : Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Midland Credit, I recently reviewed my credit report and noticed a collection on my credit report. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I went through a company called XXXX to plan a pool event on XX/XX/XXXX, I cancelled the request the next day XX/XX/XXXX in the amount of XXXX. I made the purchase on my XXXX XXXX Master card for the amount mentioned. XXXX XXXX is refusing to refund my money, XXXX cancelled the request, but they are giving me a credit. My reason for cancelling was due to the company adding other fees after me making my request. I have filed XXXX disputes with XXXX XXXX. I feel that I am being forced to do business with XXXX. XXXX has not rendered me any service, nor did this cost them to lose out on any money. I place the order XXXX months in advanced. Which was no cost to swimply. I do not want a credit. I would like for my money to be refunded. 

If you should need any other information, please feel to reach out to me. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I closed my Chase business credit card account ending in XXXX for my business named XXXX XXXX XXXX on XX/XX/XXXX at the Chase branch located at XXXX XXXX XXXX, XXXX, XXXX  XXXX at which time I was advised by the personal banker that I just need to continue paying the balance without interest. 

Recently, I accidentally realized that this credit card account has accumulated the interest of {$1500.00} for the year of XXXX. 

I called the Chase customer service on XX/XX/XXXX trying to figure out why this credit card account was charged for interest. The customer service representative told me that they started to charge interest since XX/XX/XXXX when the 0 % APR period ended. However, I did not receive any notification in any format ( mail, email or text message ) that informed me for the conclusion of the 0 % APR period. Also, since this credit card account was already closed, I was unable to see any statement or notifications from the online banking. 

On XX/XX/XXXX, I made a full payment of the balance due which is {$13000.00} over the phone. Upon my request, the customer service representative made a request to reverse the past interest charged, but that request was denied. Additionally, I asked customer service representative to send me a confirmation email for the full payment I made on XX/XX/XXXX to the email address they have on file and she said she would do it, but I have never received a confirmation email. 

On XX/XX/XXXX, I received another statement showing this closed business credit card account was again charged for another interest of {$140.00}. I called the Chase customer service again on XX/XX/XXXX and was told that the balance I already paid off was still subject to the interest. Then I paid off {$140.00} over the phone. Again, my request for reverse of that interest was denied. I also asked customer service representative to send me a confirmation email for the payment I made on XX/XX/XXXX to the email address they have on file and she said she would do it, but I have never received a confirmation email. 

I feel its really unfair. As a consumer, I am not supposed to pay for what I had no knowledge of. The interest charged by Chase that the consumer had never been informed is apparently an action of taking advantage of the consumer. 

I would like to request for a full refund of the total interest charged by Chase for my closed business credit card account which is {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: EQUIFAX, INC.
State: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: SC

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 2024-10-16 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:
This morning, I noticed several unauthorized inquiries on my credit report, and Im at a loss for why theyve shown up. I check my report regularly, but this time there were unexplained discrepancies. I refreshed my browser, thinking it was a mistake, but the inquiries remained. Please resolve this issue as soon as possible by reviewing the documents Ive sent so I can stop worrying about these errors.

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 2024-10-16 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
I have filed an FTC REPORT as these inquiries where not done with my knowledge or consent XXXX XXXX {$840.00} as of XX/XX/XXXX they have put this account into collections I have no knowledge of this XXXX XXXX XXXX  ran a credit report XX/XX/XXXX XXXX XX/XX/XXXX without my knowledge im not sure what this was for XXXX XXXX ran a credit report XX/XX/XXXX XX/XX/XXXX not sure why exeter finance llcXXXX ran a credit report on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ran a credit report on XX/XX/XXXX XXXX XXXX rand a credit report on XX/XX/XXXX XXXX  XXXX XXXX XXXX a credit report on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX credit report on XX/XX/XXXX XXXX XXXX  ran a credit report on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX a credit report on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I have filed an FTC REPORT as these inquiries where not done with my knowledge or consent XXXX XXXX {$840.00} as of XX/XX/XXXX they have put this account into collections I have no knowledge of this XXXX XXXX XXXX ran a credit report XX/XX/XXXX XXXX XX/XX/XXXX without my knowledge im not sure what this was for XXXX XXXX ran a credit report XX/XX/XXXX XX/XX/XXXX not sure why XXXX XXXX XXXX ran a credit report on XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ran a credit report on XX/XX/XXXXXXXX XXXX XXXX rand a credit report on XX/XX/XXXX XXXX  XXXX XXXX XXXX a credit report on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX credit report on XX/XX/XXXX santander consumer ran a credit report on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX a credit report on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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:
Fraudulent applications were submitted using my personal information. Please remove inquiries Equifax Report XXXX XXXX ( XXXX ) XXXX  ( XXXX ) XXXX  XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX. ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a foreclosure notice from my county in the amount of {$1300.00} for the XXXX year. It did not state what type of taxes or any other years. I contacted my bank and they asked me to email the notice in. I called the county I live in and they stated that the previous years school taxes ( XXXX ) were not paid, which is why the notice went out, but on XX/XX/XXXX they were PAID IN FULL. 
I sent endless emails and spoke with a representative in the tax department that stated they would disregard the email and helped me understand school taxes. 
On XX/XX/XXXX, my school taxes ( XXXX year ) were paid to XXXX XXXX XXXX XXXX in the amount of {$3700.00}. I confirmed with the school because I XXXX XXXX XXXX XXXX on XX/XX/XXXX that my tax check had not yet been received. In addition, on XX/XX/XXXX, a check was sent out for {$1300.00} for taxes that were " unpaid '', but I had already confirmed with the county that they had been paid on XX/XX/XXXX. I called Newrez to speak with a woman who gave me a lecture on paying my taxes on time. I found out the check was mailed to the wrong address, an address that XXXX XXXX XXXX has not used in over 2 years to collect taxes. In addition, no one knows where this mysterious check for {$1300.00} went. I contacted Newrez on several occasions and could not get in touch with someone in the tax department. I sent several emails requesting phone calls. No one responded. I have filed several XXXX complaints and a complaint with the NYS Department of Finance. I am currently on the phone with them and they are still refusing to cancel or stop the check that was mailed out over a month ago and refund it to my account. That money is owed to me. Nowhere in my agreement does it say I am to pay someone else 's taxes that were paid back to him in our closing agreement.

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 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I received a email stating that my credit limit had been reduced even though I have NEVER missed or have been late with a payment

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 2024-10-16 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made several attempts to fix these issues directly with them. They are still violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either give me my money or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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:
To whom it may concern on XXXX XXXX, I sent a certified letter to XXXX  asking XXXX  to send me validation of debt owe to their bank in the amount of {$19000.00} and the wet ink signatures of me and XXXX  to validate the debt owed. After careful review of the contract they sent me, I find not only any wet signatures binding the contract is that I have no contract with XXXX. They sent me a application I filed out for a auto loan the application is not with XXXX  nor has XXXX  name on the application. I have no contract between myself and XXXX  directly. I paid XXXX  {$1000.00} From XX/XX/XXXX until XX/XX/XXXX. After reviewing the contract XXXX  name is not on the contract nor application they sent me. They could not provide me with a contract with them that I signed. So I do not owe them this debt and I would like this debt removed from my credit report and payments made to them refunded to me.

Company response to consumer: Closed with non-monetary relief