vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The following hard inquiries reflect on both my XXXX and XXXX credit report and I have not initiated any transactions with such company, nor do I have an account with them for review or collection purposes. Therefore, there is no valid reason for them to access my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: MS

Complaint narrative:
A debt collection was applied to my credit report and I have repeatedly asked for a breakdown of the charges. All I get is rude customer service. This debt is not mine its from fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-30 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I have no knowledge of this account and have never conducted any transactions with [ Creditor ]. I have reviewed my financial records, and there is no history of this debt in my name. I believe this may be a case of mistaken identity or inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: CT

Complaint narrative:
If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation : Accounts to be removed Elan financial these accounts were fraudulently opened i was also threatened by the criminals to do certain things I did not want too. Please remove the two Elan accounts from my report immediately. the fbi was contacted and police report filed. XXXX, XXXX and XXXX are hindering my credit the accounts numbers do not match, date opened, payment amounts, there are a lot of discrepencies. 

Please remove Accounts ending in XXXX and XXXX from my credit reports immediately, I was threatened and had to make certain payments and do certain things i did not want to do on the account. please have these accounts removed from my 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently reviewed my credit report and found several billing errors. The late payments listed do not align with my typical payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i am not reliable for these accounts i don't sign a written contract with XXXX XXXX XXXX or XXXX XXXX XXXX and they dint provide me with the contract please stop them from report this to my 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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
helllo lately ive looked at my report andt there is fraudulent aacounts on my credit these need to be removed asap it is hurting my credit ability and it is violating my consumer rights according to 15 usc 1681 -2 they supposed to noy furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
due to this all fraud accounts should be deleted asap

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and would like for all listed hard inquiries to be blocked and deleted from the company Equifax for myself XXXX XXXX, last XXXX of my social is XXXX, XXXX is XX/XX/XXXX. Please delete the following hard inquiries listed XXXX  date listed XX/XX/XXXX, and XXXX date listed XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I fell victim into letting someone have access to my Chase bank account on the promise of them helping me financially. They tricked me by giving me bank account info to use for payments to make it more believable. When they got into my account, they made claims from purchases I made in XXXX with XXXX of them being my electric bill from what I was told. They also made deposits in the account with checks but I'm not sure if they were legit or not since they wouldn't tell me. They eventually tried taking over my account by removing my phone number, which immediately caused my account to become locked and restricted. The restriction was noted as fraud and I was told that my account would be forced closed within XXXX business days. Before all this happened, I had - {$2.00} in my account so I didn't have much in my account. I was supposed to get paid that same week and this happened the day before. I let my payer know of the situation and they told me that my paycheck had already been sent to my Chase account which I no longer had access to. I called them and asked what's gon na happen to it and they told me it would be delayed by XXXX business days. I went to an in-branch location to try and see what was going on in my account because I kept getting overdraft alerts and nobody would tell me over the phone and there they told me my paycheck was rejected so it would send the funds back to my payer. I spent days waiting just for my payer to say they never got any funds because it wasn't officially rejected which led to another phone call to Chase. I was told that they did get my paycheck of {$510.00} on XX/XX/XXXX and there wasn't anything I could do other than wait until they close the account for me to receive the funds in a check. They also told me they wouldn't do anything with my paycheck. This morning I received an overdraft alert which means they've been using my paycheck for something. Every time I call them, nobody wants to help me because my account has that fraud restriction on it, even though it wasn't my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Some stole and used my identity to open an account. XXXX XXXX XXXX hired a debt collector to collect money from for an account I did not open. I do not owe anything to XXXX XXXX XXXX nor did I open an account to them and I do not have a open/current account on XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1635 and 15 USC 1692g. 
This account was paid XX/XX/year> and should be deleted as it violates my rights to privacy.

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 2024-09-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: AdvantageFirst Lending Inc.
State: MI

Complaint narrative:
Loan process, and approved in XX/XX/year>, along the way there were some additional documents needed, my daughter provided, appraisal paid for, and completed along the way. Loan officer XXXX XXXX advised myself not to pay any of my bills, mortgage, credit cards because it would all be paid off at closing, XXXX came loan still not completed so I paid my credit cards, and I asked XXXX if he was going to move forward because I can go elsewhere, he stated he would get it done its just taking longer than it should due to additional info needed. XX/XX/XXXX, he emailed my daughter to inform me to pay my mortgage, I paid mortgage and because of the holiday ( XXXX XXXX ), my mortgage posted late, XX/XX/XXXX, and because of that per XXXX XXXX I no longer qualify for the loan. XXXX XXXX never contacted me to inform me to pay mortgage, instead he emailed my daughter who does not check her emails often. I am now out of appraisal money, and months of waiting to have this loan processed when I coulda moved forward with another company, instead XXXX informed me it would happen, and because of him not communicating directly to me about paying my mortgage when he advised me not to I no longer qualify because my mortgage posted late due to him not making me aware to pay it XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
{$41000.00} wire sent on XX/XX/year> from XXXX XXXX to my Chase account. 
Confirmed Chase received but then passed my around to XXXX different departments and are putting excessive and abusive holds on domestic wired funds in which all other banks have paid to the proper accounts but Chase is holding. Abuse to earn float.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Recieved a citi bank master card with {$13000.00} limit. When I called citi bank I was notified that it was requested out of Pennsylvania and they had used my old phone number and information. The card itself had my name, but also had me down as a senior. Which I am 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 2024-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XX/XX/year> : We have private property signs on both sides of the house where the vehicle was captured. Before the vehicle was repossessed, I sent multiple documents stating the right to rescind this contract. 15 U.S.C. 1635, and Regulation Z. If I didnt do the right to cancel the contract was because of the dealership, Santander etc. I have the documents with the certificated and priority numbers added to the paper. I sent to XXXX XXXX and to Santander Consumer USA, XXXX XXXX XXXX. XXXX Tx, XXXX. I didnt receive the 1099c after they wrote the vehicle off as a bad debt. Whos in the wrong? Show me also that you didnt write the vehicle off and you re able to still collect. I also gave them a down payment of XXXX. I sent the right to rescind to XXXX XXXX XXXX, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I have spoken to XXXX employees XXXX and XXXX from equifax sent all my informations to put it up to date 7 times to be exact with the proper documents 3 times by mail 4 times be email and yet keep asking for the same information car I do not possess anymore since XXXX XXXX  dlinquant but havent had the car for 4 years

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i am not reliable for these accounts i don't sign a written contract with XXXX XXXX XXXX, or XXXX XXXX XXXX and they dint provide me with the contract please stop them from report this to my 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