vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses and first names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT names that should be deleted are XXXX, XXXX, I ; XXXX, XXXX, XXXX and XXXX, XXXX, I. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, IN XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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 file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXXXXXX, GA XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, 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:
I checked my credit report and found multiple accounts that I never applied for

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022, I submitted my Free Annual Credit Report Request Form by certified mail and returned receipt. In included my valid New York State Drivers License as proof of identity. I requested a Free Annual Credit Report from XXXX. Approximately a month later, I received a form letter dated XX/XX/2022 that the information I submitted online was purged from their database and they were unable to investigate m original request. How could they " purged my online information '' when I originally submitted my request by the written Free Annual Credit Report Request Form?

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I checked my credit report and found multiple accounts that I never applied for

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I checked my credit report and found multiple accounts that I never applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been working on my XXXX credit profile and I noticed there is an incorrect addresses and first names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT names that should be deleted are XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I paid my credit card and it went thru then the next day it didnt so I paid it again, on Monday, I had a negative balance because there was a duplicat transfer, when I filed a claim they said they would resolve it by making a reversal and send me the money back into my account and that didnt happen. So I called the fraud department and they filed it again causing them to reverse both payments which caused my credit card balance to go up to an amount which is not my max limit : my limit is XXXX and now its {$3000.00}, as if I never paid for my card and now its due soon and they still havent send me a check and I spoke with the bank and nothing is being done.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Two years ago, Mr. Cooper doubled my mortgage payment almost telling me I had a huge escrow shortage. I filed, thinking it was my taxes went through the whole process with the XXXX XXXX only to find out that my taxes werent the problem. Mr. Cooper was double texting me I spoke to Mr. Cooper and they fixed it now to years later in XX/XX/2022 I get a letter that my mortgage payment is going up almost {$700.00}, I immediately called them because theres no way I have an escrow shortage they told me that they look into it In XX/XX/2022 they called me and told me that the taxes were incorrect and they would be adjusted in XXXX when I went to make the payment nothing was changed. I called them back and they told me it takes time the end of XXXX still no change my payment I called them back. They told me that they would look into it again and never got a response back in XXXX. I called same problem. My taxes are doubled and they should not be theyre telling me I have an escrow shortage of {$4500.00} Which my annual taxes are only XXXX so does that mean you didnt pay my taxes for an entire year? What are you increasing? What are you charging me for they cant give me answers then they tell me that they look onto a website and thats how they see what the taxes are when I know thats a lie and they get a paper in the mail. I called my tax office and discuss it with my tax office. They gave me a breakdown of all the taxes I intern called Mr. Cooper back again to go over the taxes and explain to them that theyre overcharging me and I want my money refunded and my taxes fixed. I still have not heard back and discuss it with my tax office. They gave me a breakdown of all the taxes I intern called Mr. Cooper back again to go over the taxes and explain to them that their overcharging me and I want my money refunded and my taxes fixed. I still have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Hello, I'm in a difficult situation because Citi bank is holding my {$75000.00} and closed my account without returning my balance for the past two months. 

I opened a savings account with Citi bank in XX/XX/XXXX, and deposited {$75000.00} to earn their promised cash bonus of {$1000.00} after keeping it there for 90 days. 

On XX/XX/XXXX, after completing the 90 days, I tried to withdraw some of my money to another online bank. The next day, I noticed that Citi bank had rejected my withdrawal transaction and locked my account instead. My account became inaccessible, so I contacted their customer service, and they informed me that they had decided to close my account due to security concerns. They said that they would send me a letter with an explanation within 30 to 60 days and a check for my balance thereafter. 

It has been 60 days since I was informed of the account closure, but I still have not received any letter or my money back. They have also not paid me the promised {$1000.00} cash bonus. 

I believe that Citi bank purposely locked my account and has been using my {$75000.00} for five months now. 

Could you please help me with this situation? 

my account information in Citi bank is Account No : XXXX Name : XXXX XXXX Cell phone : XXXX Addr : XXXX XXXX XXXX XXXX, XXXX, CT 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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been disputing items on my credit report for over 2 years. Theres information on my my report that is fraudulent but XXXX XXXX and Experian continue to report. I have called both companies but they refuse to remove disputed items. None of my reports match. XXXX have no derogatory items on my report however Experian has one and XXXX XXXX has 4 even adding items that shouldnt have been added back 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 explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the inaccurate information that XXXX XXXX XXXX Bank has reported to the credit reporting agencies about my account. I believe that the bank has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX XXXX XXXX Bank has failed to report accurate information to the credit reporting agencies, which has led to inaccurate credit reports and has negatively affected my credit scores. This violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, the bank has failed to conduct a reasonable investigation of my dispute regarding the inaccurate information reported to Experian, which violates Section 623 ( b ) of the FCRA. 

Furthermore, XXXX XXXX XXXX Bank has violated Section 312 of the FACTA by failing to maintain reasonable procedures to ensure the accuracy of the credit report information it provides to the credit reporting agencies. 

The bank has also reported different dates of last payment and last reported dates to Experian and XXXX, which violates Section 623 ( a ) ( 5 ) of the FCRA. This inaccurate information can lead to inaccurate credit reports and affect credit scores. 

Lastly, the bank has reported a late payment on XX/XX/2021, to Experian, when in fact, no late payment was made on the account. This inaccurate information violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA and can affect credit scores and lead to other negative consequences. 

These inaccuracies have had a significant impact on my life. I have been denied credit and have been forced to pay higher interest rates due to these inaccuracies. The inaccurate information has also caused me significant emotional distress and has made it difficult for me to obtain employment and housing. 

Therefore, I respectfully request that XXXX XXXX XXXX Bank remove the unverified collection account from my credit report, as required by law. I also request that the bank take all necessary steps to ensure that accurate information is reported to the credit reporting agencies in the future. 

Thank you for your attention to this matter. 

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been disputing items on my credit report for over 2 years. Theres information on my my report that is fraudulent but Trans Union and XXXX continue to report. I have called both companies but they refuse to remove disputed items. None of my reports match. XXXX have no derogatory items on my report however XXXX has one and Trans Union has 4 even adding items that shouldnt have been added back 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 explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: NY

Complaint narrative:
This account was created fraudulently without my knowledge or consent. I am unaware who created this account and have fought this several times for several years. I am a victim of identity fraud. I have provided all necessary documents proving this is fraud. I was living in a different residence when this account was created. This account stayed open fraudulently from XXXX. I have submitted all proof again.. please remove this from my credit report asap. Thank you.

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 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I reached out to chime regarding a plethora of unauthorized charges that transpired when my purse/phone was stolen around XX/XX/XXXX I had been inpatient hospitalized thereafter so did not realize the charges that had been fraudulently charged and the charges occurred due to the fact my card is attached to my XXXX XXXX and other accounts so there were over 30 charges some duplicates in which I immediately notified chime when I was released from the hospital to inform them XX/XX/XXXX they then opened 3 different disputes to include the charges as some was still pending claim # XXXX, XXXX - XXXX totaling over {$1500.00} as some charges were still pending when I reported it so they advised I would have to wait on those to clear. I attached my police report and I had also cancelled the debit card and they waited until 9 days when it was time to extend the provisional credit to advised my disputes were closed and nothing found which was a lie, and truthfully I know they did not research nor investigate as they have had a plethora of complaints and was sued for this very issue, or without investigating and penalizing the customer by closing accounts and keeping money. I did not authorized these transactions and would like my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
I had informed XXXX verbally that my charges from an unknown illness in XXXX of XXXX was now in a bankruptcy filed XXXX XXXX. 
I went in, XXXX of XXXX, for a suspected broken foot and was informed of a {$1000.00} charge from XX/XX/XXXX still pending. I told them that it was not accurate and called and left a voicemail with their billing. 
A few months ago, I receieved a collections notice from this company. I asked for them to itemize it as it was not accurate and the charges from XX/XX/XXXX needed to be discharged into the bankruptcy. I paid about half the XX/XX/XXXX balance off and only {$300.00} was left. 
They did not provide me with the information I requested and instead sent it straight to collections. I now can not get an answer from this debt agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 non-monetary relief