vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial emotional distress. The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue stress and anxiety, undermining my trust in the credit reporting system. 

Moreover, the persistence of these errors despite multiple disputes exacerbates the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where I am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being. The distress caused by this situation is profound, as I am being unfairly penalized for errors that are beyond my control. 

The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA. The failure to correct or delete this false information, despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue has caused not only financial repercussions but also significant emotional turmoil, impacting my daily life and overall mental health.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-06-17 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: FL

Complaint narrative:
Subject : Dispute of Late Payment on Account Number XXXX I am writing to dispute the reporting of a late payment on my credit file for account number XXXX with XXXX I assert that there has never been a period where my account was 180 days late, including the month of XX/XX/2023. 

I request a review and correction of this information. Under the Fair Credit Reporting Act, I expect a response within 30 days of receipt of this letter.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted a direct loan consolidation application and I selected Mohela to be my new loan servicer. Mohela is reporting a higher principal than what was consolidated on my credit reports. Mohela is reporting a principal of {$34000.00} and the principal should be {$29000.00}. On XX/XX/XXXX, I reached out to XXXX, this company was responsible for making the payments to XXXX to consolidate and the representative told me that the following payments were made during the consolidation process : Loan account # XXXX {$5100.00} Loan account # XXXX {$16000.00} Loan account # XXXX {$5900.00} Loan account # XXXX {$480.00} Loan account # XXXX {$1400.00} Total of {$29000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: NY

Complaint narrative:
I was never late on my payments, yet there are XXXX, XXXX, and XXXX late remarks in my payment history. This is a clear violation of 15 U.S. CODE 1666B. These inaccuracies must be REMOVED from my payment history immediately. 

XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> XXXX requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. According to 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report when provided with written instructions from the consumer to whom it relates. I did not provide such written instructions.

This company 's conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both ( 15 U.S.C. 1681q ).

DELETE this unauthorized inquiry from my report immediately!

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Late Payment on Account Number XXXX I am writing to dispute the reporting of a late payment on my credit file for account number XXXX with XXXX. I assert that there has never been a period where my account was 180 days late, including the month of XX/XX/2023. 

I request a review and correction of this information. Under the Fair Credit Reporting Act, I expect a response within 30 days of receipt of this letter.

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 2024-06-17 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: MI

Complaint narrative:
Hi i checked my credit report On XX/XX/XXXX. I noticed some unauthorized inquiries on my credit report. 
I currently received my credit reported and located the following seriousproblems of inaccurate reporting. I have sent letters to disputing my creidtreport because I have just accepted that i had bad credit and became a victim ofit. I dont know what went on in my name because soneone hacked my computer. I was not aware that my information had been compromised. 

I dont know what these collection, account are for inaccurate and late charges. I have contacted these collection agencies ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) to validate these debts, so therefore I am disputing the validity of these debts. 

XXXX. The inquiry was not authorized XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report.

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 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Premier Auto Credit
State: AZ

Complaint narrative:
I was a victim of identy theft and this debt was opened in my name without them doing any proper research on job etc. They made no attempt to legally sell me a vehicle. Especially not having anything correct. I reached out about this debt filed a identity theft etc.. Then they keep reporting this as a current debt damaging my credit with this false 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 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My name is XXXX XXXX, I am a XXXX Bank of America XXXX XXXX XXXX XXXX  who has several accounts opened all in good standing with your company. Im a XXXX XXXX XXXX XXXX who thought ( up until this point ) I was growing a relationship with Bank of America. I was very shocked to open my account and discover my business credit card had been reduced by {$20000.00} dollars. Not only was my credit limit reduced, but the remaining available credit was left at {$230.00}. This created a huge negative appearance for me in the business world of obtaining new clients. I received a letter in the mail stating my account was reviewed and reduced do to : XXXX. Number of inquiries on your credit file XXXX. XXXX or more revolving accounts opened within the last 2 years First, I would like to say, I have no derogatory credit entries on my credit profile. No collections, no public records, and the total number of inquiries ( XXXX ) on my profile are less than what was on there at the time I opened these credit cards ( which was XXXX at that time ). I have no missed payments, and several other credits with Bank of America. As for the revolving account, I again have less this year, than when I applied for the credit card. 
In absence of the obvious, I now look to the only other reason for this reduction. At this time, I believe Bank of America is in the practice of targeting small minor owned businesses using what amounts to a bait and switch tactic. I had XXXX separate cards that I combined ( at the recommendation of Bank of America ) to obtain the {$30.00}, XXXX credit line. Ive done my part by reasonably using my cards, and paying them, I believe it is wrong for Bank of America to target XXXX owned minor businesses, with no XXXX reason for the credit reduction. I am submitting this official complaint and request that my credit line be restored back to the {$30.00} limit. After 18 years, I feel betrayed and abandoned by Bank of America. I am a small business thats just trying to operate to feed my family, Bank of America should understand, we are real people, not just numbers in a system. 

Respectfully, 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 2024-06-17 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: RI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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 2024-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Figure Technologies, Inc
State: FL

Complaint narrative:
XX/XX/year> I got approved for a Heloc loan with Figure Wholesale lending. I called them to find out how to exercise my right to waive the 3 day right of rescission due to a financial emergency and they told me according to the CFPB I cant waive it due to it being my primary residence. I called CFPB and this information regarding not being able to could not be found. I have submitted my request in the form of a signed letter to them today and confirmed receipt but have been told that it is highly unlikely due to them never having approved one before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
A debit Collection company called FirstSource ( XXXX ) XXXX. Ref # XXXX / Claim # XXXX says I wrote a check that was returned for XXXX to a company XXXX. I don't write checks and they are asking me to send them a copy of my ID to prove who I am. They said I wrote a check and the check number is XXXX, and the account is XXXX. My bank account 's last XXXX are nowhere near that. So I contacted the company XXXXXXXX XXXX XXXX XXXX XXXX and they said the same thing to me. The odd thing is the XXXX is the one who sent it collections but has XXXX info on the XXXX debt. And they are saying the payment was made on XX/XX/XXXX and sent to collections under 30 days time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
On XX/XX/year> the Mortgage Compnay initiated auto pay, which should have been XX/XX/XXXX. This was in addition to my mortgage payment already made, resulting in duplicate payment. 
Since XX/XX/XXXX I have made numerous calls to the only available phone number which is the customer service. Each time I am told the refund is in process. I am yet to see the refund in my bank account or in the form a check. We are retirees, and we dont have extra funds sitting around for them to just ignore our request for our own funds. The attached statement shows the duplicate payment and reversal. But I have not seen the funds in my bank.

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 2024-06-17 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: LA

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
capital one were told that these charges are fraudulent as they are. 
Case # : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: NJ

Complaint narrative:
There are two inquirie on my credit report that I did not do. My information has been compromised Please remove these 2 fraudulent inquiries immediately please. It's affecting my credit profile. I am attaching my Identity Theft Report to this compaint.

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 2024-06-17 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: PA

Complaint narrative:
For the last month I have been unable to access the payment option on three of my chase credit cards. I am only able to access the payment option on one of the cards. Chase has informed me there is something the matter with my bank account and my bank needs to fix the issue. I did contact my bank and they informed me nothing is wrong with the account. I informed Chase that I can pay on one of the cards and not the other 3. They have not been able to solve this issue and I have been transferred to a number of departments and no one was of any assistance. The only way I can pay is to go to the branch office and make a payment with a check. When I go to the branch office and give them a check it is from the checking account they are taking issue with. The payment goes through and the balance is adjusted accordingly. This is extremely annoying and I am tired of being transferred to agents who have no idea how to solve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.

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 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please examine the attached documents at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief