vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 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: KS

Complaint narrative:
I did not authorize these inquiries and strongly suspect they are not legitimate. I urge you to conduct a thorough investigation and promptly remove them from my credit profile. I have submitted supporting documents for your consideration.

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 2024-03-18 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:
I need help with this company. They are not responding to any of my request and there is no proof of knowledge of this account being mine and I have asked the credit bureaus for assistance to no avail. I have requested debt validations and sent it certified mail return receipt with signature required and they have violated all consumer laws by reporting this account. I would like them to provide proof of this debt and want the name and address and phone number and email of whoever allegedly validated this account. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: FL

Complaint narrative:
I need help with this company. They are not responding to any of my request and there is no proof of knowledge of this account being mine and I have asked the credit bureaus for assistance to no avail. I have requested debt validations and sent it certified mail return receipt with signature required and they have violated all consumer laws by reporting this account. I would like them to provide proof of this debt and want the name and address and phone number and email of whoever allegedly validated this account. Thank you in advance for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: OR

Complaint narrative:
In XXXXXXXX XXXX XXXX my basement flooded due to hydrostatic pressure. It was not covered by insurance. I needed {$20000.00} to cover damage before molding. I immediately applied for forbearance with XXXX XXXX XXXX XXXX. For six months thereafter I was given the runaround by the servicer who was denying my forbearance in order to extort me into a loan modification, which would not benefit me and would cause significant hardship by increasing mortgage payments. They drew out the application process, made me reapply three times, took my mortgage payments over the phone, applied payments to back payments, and then marked my credit negatively. I have finally given up attempting to get forbearance or deferment because they are systematically attempting to deceive me into a product that would extract a higher interest rate from me in my moment weakness. It is an abuse of power and they should have just been honest with me that I would continue to be denied from the beginning because as I later found out, they knew all along. They were not honest because they were hoping to back me into a corner so they could exploit my hardship. They have destroyed my credit, the whole reason I was applying for forbearance in the first place, despite my belabored monthly payment which were only taken if I call in and spent an hour on the phone.

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 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
I received a copy of my credit report and am disputing XXXX items that need to be deleted. On XX/XX/2023 an account with XXXX XXXX was fraudulently opened up in my name the balance is {$130.00} On XXXX XXXX an account with XXXX XXXX was also fraudulently opened up in my name as well. I need the items deleted expeditiously. Once again id like to take this time to thank you in advance for your understanding, compassion and most importantly speedy cooperation in this delicate situation.

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 2024-03-18 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: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-03-18 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: Atlanticus Services Corporation
State: WY

Complaint narrative:
In accordance with the Fair Reporting Act these creditors has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy 15 USC 1681 section 6O4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The following are a list of the creditors : XXXX. ) XXXX  XXXX  XXXX. ) XXXX XXXX XXXX. ) XXXX  XXXX XXXX. ) XXXX  XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX  XXXX. ) XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The account has not been reported correctly.. They have reported the account date incorrectly. I also included this account in a XXXX XXXX case that has been discharged. They are violating the FCRA because, even after been notified of the case. They are still reporting which is a violation when they are notified that I filed XX/XX/XXXX. XX/XX/XXXX they reported it late and charged it off. They should have stopped reporting 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 2024-03-18 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-03-18 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: CA

Complaint narrative:
I reviewed my recent credit reports on XX/XX/2024 and observed an open credit card from XXXX XXXX that I did not authorize to open. I sent a letter to XXXX XXXX telling them that this credit card was opened fraudulently, but they refused to investigate the matter. They said, " Looks like this letter came from a credit repair and won't investigate. '' I requested the investigation, but they are not removing this fraudulent account. 

I need your assistance in getting this XXXXXXXX XXXX  credit card removed from my three credit bureaus.

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 2024-03-18 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: CA

Complaint narrative:
I reviewed my recent credit reports on XX/XX/2024 and observed an open credit card from XXXXXXXX XXXX that I did not authorize to open. I sent a letter to XXXXXXXX XXXX telling them that this credit card was opened fraudulently, but they refused to investigate the matter. They said, " Looks like this letter came from a credit repair and won't investigate. '' I requested the investigation, but they are not removing this fraudulent account. 

I need your assistance in getting this XXXX XXXX  credit card removed from my three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Chime Financial Inc
State: VA

Complaint narrative:
I had fraudulent charges on my account I asked about the policy on their website advertisers of XXXX Zero liability policy none of the representatives could explain this policy or I've heard of it I asked for information to be sent they just quoted off the website but would not honor said policy. I also asked about the get paid two days early advertisement they have and can not get clear answers from the representatives of Chime, In order to get them to send me any information other than tell me to go to the Internet and look it up. Now I have money stolen from my account and I have to wait for them to decide if I can have my money back or not. Could take 20 days Or longer according to them. They also deactivated my card when I told him not to do it yet because there was A transaction freeze button on their app. The agent agreed not to deactivate the card then did it anyway without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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:
I received my consumer reports and noticed that I have XXXX late payment on an account that I've never been late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I've never been late on payments for these accounts that I've attached screenshots inside of this complaint and on dates of ( XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to reflect paid as agreed on time as they should be due to the fact I was never late. Please see attached screenshots. 

Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: GA

Complaint narrative:
I received my consumer reports and noticed that I have one late payment on an account that I've never been late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I've never been late on payments for these accounts that I've attached screenshots inside of this complaint and on dates of ( XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to reflect paid as agreed on time as they should be due to the fact I was never late. Please see attached screenshots. 

Thanks!

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 2024-03-18 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:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal 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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
this account is on my credit report 3 times its with capital one an XXXX which is a third party debt collector, nither company has given me in proof that is my debt pls be advise i am formally asking you to provide me with a full an proper documentation substantiate this claim

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX has been contacting my parents with text messages that include information about the amount of my debt owed. Repeatedly. Nearly every day. I did not give them permission to contact my parents about my credit card account and never gave them their contact information. The texts being sent are as follows : They keep coming down in what it will take to resolve this. 
This message is from Spring Oaks Capital , LLC. 

We are willing to accept {$330.00} to resolve your XXXX XXXXXXXX account originated by XXXX XXXXXXXX XXXX, which is now owned by Spring Oaks Capital SPV , LLC, for less than the full balance. 

We want to see you succeed, so we request that you review and take advantage of this offer by XXXX. We are not obligated to renew this offer. Please contact us if you need more time to reply to this offer. 

To view this offer, go to XXXX. If you have any questions, reply to this text or contact XXXX of our representatives at XXXX. We have agents ready to respond during normal business hours. 

We are a debt collector. Click here for important disclosures https : XXXX. Reply STOP to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Initiated wire transfer XX/XX/2024 to Title company 's escrow account for house closing. On XX/XX/2024 got a phone call from Discover bank to verifit information. Everything 's verified and money was debited. However title company didnt receive the fund. On XX/XX/2024, title company informed me that their has the wire but it is stopped in their compliance department. They have reached out to your sending bank for additional information before they can release the wire to our escrow account. However nothing is being done. My closing day is soon and I need to make sure fund go through as soon as possible. I am not sure what's the hold back is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was transferred to another collection company and is a duplicate account reporting in error. The reporting agency is reporting paid, and closed. This account is also over the legal time allowed to be reported. want this to PLEASE be removed from my credit report! this account is affecting my credit score and report which is should have been removed. I sent in letters to all 3 credit bureau 's, but the status the collectors are reporting continues to update. I've been trying to contact them as well, but unable to get through. i was told by the other creditors this account is old, and was taken over by department of education which has been paid in full, and closed. its also coming up under XXXX twice which is showing duplicated accounts.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was transferred to another collection company and is a duplicate account reporting in error. The reporting agency is reporting paid, and closed. This account is also over the legal time allowed to be reported. want this to PLEASE be removed from my credit report! this account is affecting my credit score and report which is should have been removed. I sent in letters to all 3 credit bureau 's, but the status the collectors are reporting continues to update. I've been trying to contact them as well, but unable to get through. i was told by the other creditors this account is old, and was taken over by department of education which has been paid in full, and closed. its also coming up under XXXX twice which is showing duplicated accounts.

Company response to consumer: Closed with explanation