vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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: AZ

Complaint narrative:
Upon checking my consumer report it concerns me there was an inquiry added on XX/XX/2023 from : XXXX Apparently is a home furnishing. I did not make this inquiry. Please do not grant credit to this company. Remove imminently Im not liable for it. Thank you!

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2024-01-03 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2024-01-03 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:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-03 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: NY

Complaint narrative:
I am shocked these teams are on my credit file! No wonder XXXX and Transunion is being sued in XXXX because you out inaccurate information and fraud stuff on people report of XXXX reason. Remove these two accounts I have no idea who the owner is! I will sue because of deformations remove these 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 non-monetary relief
Consumer complaint received 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-01-03 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am consistently on time, but they are incorrectly 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 non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
XX/XX/2023 I tried using my e-cardit to buy something on line and it will charge {$0.00} to the card and when you look at the card balance it states pending then when website says there is an error on the card and wont let me complete the transaction. 
I have called Amex and they say to try another time. I have done this and it will not work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXXXX/XX/2023, I entered into a new agreement with XXXX XXXX to assist in paying my card down due to a financial hardship of XXXX while not affecting my credit report and FICO score. The agreement online stated that I would not be marked late or be charged late payments during the agreed terms of {$120.00} per month for 60 months and I was required to sign up for e-statements which I never received in the mail to see what my balance due or notifying me that I was considered past due status. My mailing address and email address are current with XXXX XXXX. Since then, I have been paying the agreed upon amount of {$120.00} per month and XXXX XXXX has been reporting me 30 and 60 days late on my credit report. I only received notification that I was considered past due when I applied for a XXXX loan to buy a home in XXXX. XXXX XXXX did not inconspicuously explain that I would be reported late on my credit report when I entered into the new agreement terms back in XX/XX/2023. My understanding was that entering into the new agreement would show good faith in paying the monthly agreed amount and reporting on time payments to XXXX XXXX. XXXX has not sent written notification, monthly statements or reached out by phone since the new agreed terms that I was marked past due under the new agreed terms and leads to misunderstanding by consumers that they are paying as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Transunion purposely hides users credit score in attempts to force users to pay for credit score.

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 2024-01-03 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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: OK

Complaint narrative:
I was looking at my TransUnion credit report and there was hard inquiry from XXXX XXXX XXXXXXXX XXXX XXXX 2023 that I didn't recognize. I know for a fact I did not apply for any XXXX credit cards or any credit card for that matter. This is inaccurate and needs to be removed immediately from my TransUnion credit report. If someone did apply for a credit card in my name from this lender, it was a result of fraudulent activity and identity theft because it certainly was not 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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi there - I have opened dispute XXXX and I provided extreme details ( see attached ). However my experience with Capital One is that I am not being treated seriously. The response letter I received from Capital One just simply says I did not provide sufficient information when my letter is extremely detailed with all the information provided. I am hereby providing my case again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-03 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them 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 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I was granted a county property tax deduction ( from 6 % to 4 % ) based on primary residence status. My mortgage company claims that they reached out to the county on XX/XX/XXXX and were told to pay the 6 % rate. This can not be true, as my property tax bill has been adjusted down since XXXX. The mortgage company wrote a check for the higher ( 6 % ) amount and now claims that my escrow account is short over {$10000.00}, and intends to increase my mortgage payment to make up the shortage beginning XX/XX/XXXX. I will not be able to pay the overage, and should not be held liable for a mistake that was made by the mortgage company. I have documentation to prove that my property tax bill has been adjusted down since XX/XX/XXXX. I can and will pay to cover my real property tax amount and can pay nothing more.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: TN

Complaint narrative:
I originally filed a complaint of XXXX XXXX XXXX  reporting incorrect information to my credit report on XX/XX/XXXX. Now it has been GREATER THAN 90 DAYS and the incorrect information remains. 
I also contacted XXXX XXXX XXXX  and attempted to give them the opportunity to fix the issue. XXXX has failed to acknowledge that there is a problem and keeps sending me letters, each one with different account information, wrong and different dates, and trying now after a year of trying to work this out with them telling me I need to contact a different department. This is only another stall tactic by XXXX instead of addressing the issue and making necessary corrections. 
XXXX XXXX XXXX XXXX - A contract was signed in XX/XX/XXXX to transfer the property back to XXXX on XX/XX/XXXX the Deed was signed back to XXXX. 
XXXX continued to report the property as delinquent for XXXX ( XXXX ) months after the deed was signed back to them ( XX/XX/XXXX ). I did not own the property and have copies of documents to prove my case. 
I originally disputed this with Experian in XX/XX/XXXX and it remains on the credit report and no notation of the dispute that is a violation of XXXX XXXX. 
Experian Information Systems continues to violate my rights in accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX continues to violate 15 USC 1681, s-2, ( A ) ( 1 ) " they 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 ''. 
Experian fails to act on this and continues to report inaccurate information. 
RESOLUTION : Experian to Immediately upon receipt of this notice remove the 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 explanation
Consumer complaint received 2024-01-03 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I had arranged recurring payments with Navient, set at {$78.00} biweekly to manage my payments better. However, there was an instance where they missed withdrawing a payment. They've also claimed not to have received a payment on XX/XX/XXXX, despite my confirmation that the payment was made. This has me concerned about other potential errors in their management. I'm worried about the impact on my credit score due to their failure to honor the agreed-upon terms between myself and the financial institution, constituting a breach of our legally binding agreement. In addition to not taking out the funds they also never followed through on the agreement to send me the required documentation as mentioned in the text. I have attached the text to this complaint. 

Today, on XX/XX/XXXX, I contacted them regarding the missed payment. Initially, they stated they weren't aware of the reason, then mentioned it bounced back from the bank. When I requested documentation to verify this claim, they couldn't provide it, which seems suspicious. I had sufficient funds in the bank at the time, leading me to believe they didn't process the payment and are now seeking both the delayed payment and a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Kindly examine the attached documents. I am requesting the bureau to start an investigation into these accounts, as I am never tardy with payments, yet they are incorrectly indicating a late status.

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 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: SC

Complaint narrative:
A forced placed flood insurance policy was placed on my account in error. It has been confirmed by several representatives at Flagstar that it should not have been placed. This property is part of a regime and there has never been a lapse in coverage. 
This same policy has reared its head several times over the past XXXX years, In XXXX of 2023, I made my usual payment. I was not aware that they raised my payment by {$5.00} due to the forced placed insurance coverage. They are refusing to apply my regular payment because I did not pay the {$5.00}. They have also added a {$70.00} late fee. My account is now in a non pay status and is being reported to credit agencies. My last contact with them " just pay it and let us fix it ''. Well I have made a dozen phone calls to get this fixed.

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Netspend Corporation
State: CT

Complaint narrative:
on XX/XX/XXXX, I received an email from Netspend to my personal email account that my card was in an overdraft position and that I needed to resolve it. I never opened a Netspend account. I was able to contact Netspend customer service and they confirmed that a Netspend card was open under my social security number. I requested information on the fraudulent account. They would not provide info over the phone and indicated that I needed to provide them with a written request, an FTC identity theft affidavit, an ID theft police and a copy of an ID. I provided that information on XX/XX/XXXX in writing to XXXX as I was instructed to do by Netspend customer service. The response was that the account was closed and to contact customer service on the number on the back of the card I do not have. I am requesting that Netspend provide all information related to the fraudulent account so I can provide that to law enforcement and written confirmation from Netspend that I will not be liable for any amounts on the fraudulent card.

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