vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 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: NY

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked 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 2024-09-05 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: NV

Complaint narrative:
I am writing to formally dispute multiple inaccuracies found on my credit report. After conducting a thorough review of my credit file, I have identified several accounts that do not belong to me and were fraudulently opened using my personal information. I believe I am the victim of identity theft, and I am requesting the immediate removal of these items from my credit report. 
The following accounts were fraudulently opened and are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX These accounts were opened by an individual or individuals who used my stolen identity. I have never provided my personal information for the purpose of opening accounts with any of these institutions. Therefore, I do not recognize these accounts, nor do I have any knowledge of their origin.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: WA

Complaint narrative:
On XX/XX/XXXX to the XXXX I have over a dozen charges on my account. I have opened I believe 11 disputes on these charges. They have turned it into investigation department and within 24 hours I'm denied. When I go over every transaction with customer service they verify that my charges do look fraudulent and assured me this time they fixed it and I'll get reimbursement. Then I get a email saying they found nothing wrong with my charges. There are over several locations I've never heard or bought from. The times used on my card. And the card they used. I get my dshs money directly deposited into my checking every month then I transfer it to my credit card. I don't use my checking account. If investigations did any investigation then they could easily see that it wasn't me. If they contacted any of the merchants they could of got video survalliance of who used my card. I was told to file a police report so I did. I sent them the file number and copy of my report. Every time I called them back to ask why I was denied again they could only say because I didn't provide more documents. I asked what documents? They never gave me specific documents they needed. The last time I called them the lady was very rude and said I would not be able to open another dispute. I requested the notes every customer service representative had on my account and a copy of any documents they needed they said they would email me but I never got a email with any attachments or copies or anything! This is been over a year now. I can provide copies of my bank statements from previous months so you can see my shopping /spending patterns. I'm going to attach the XX/XX/year>XXXX  bank statement and I highlighted any charges I don't recognize and believe to be fraudulent. There is also a deposit from someone named XXXX for XXXX dollars from when they had my card. I don't know that person and my card was missing at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: NY

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
{$710.00} amount midland credit been trying to dispute this as I dont think owe this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
I would like for you to make thorough investigation on these inaccurate accounts because they are heavily weighing on my mental health - because of how badly it affects my credit scores.

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 2024-09-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We try to submit a modification packet every month but the bank continues to decline by asking for a XXXX  months profit and loss statement which we provide every time. It seems like they simply don't want to modify the loan. All of the requested conditions by the bank were met by us and we update the packet every month, and all they do is look for reasons to declined

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I was in the XXXX  fight for my life with XXXX  from XXXX of 2022 to XXXX of 2022 i had not access to the internet and no one had access to my accounts. we let ally auto know of the dire situation and they agreed to give me grace and pay balance in full upon discharge which i did. they agreed to not mark it as late and further agreed after to remove it from my XXXX  report and they did not. XXXX has removed the late payment and has XXXX percent payment history and i need XXXX  to do the same. ally auto keeps saying they will and havent. please correct this asap as im trying to get approved for a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I filed a credit card dispute with Citibank for a charge on my XXXX from a 3rd party travel vendor XXXX for a hotel stay at the XXXX XXXX on XXXX & XX/XX/year>. The hotel reservation was made & paid for through XXXX for a total of {$580.00} with a transaction date of XX/XX/year>. On the 2nd night of our stay, we had to leave early due to a noisy guest in the next room. The XXXX XXXX manager agreed to give us a refund of 1 night of our stay which amounts to XXXX ( that email thread has been attached ). The refund request was sent to XXXX which handles reservations for XXXX ( also attached ) as I was told the refund needed to go through the 3rd party travel vendor. I never got the refund from XXXX for the 1 night of the stay of XXXX after repeated follow up attempts so I filed a credit card dispute with Citibank for the XXXX noted above on XX/XX/year> Citibank Case ID # XXXX. Citibank responded by letter requesting a " credit slip '' which I do not have as the issue is that I never got the credit from XXXX applied to my Citibank credit card account that I was pursuing. After I explained this to Citibank in a follow up email, they sent me a letter stating my dispute was closed and I would owe the full amount as I didn't provide the credit slip ( doc also attached ). Again, there is no credit slip which is the entire point of my credit card dispute. I have attached the refund request sent by the XXXX XXXX to XXXX XXXX I called Citbank back after my case was closed & explained this to a customer service representative who advised they would reopen my dispute. I tried to speak to the Citibank transaction dispute department but I was told that is not possible. Citibank again requested the credit slip in a follow up letter so I responded by email again advising there is no credit slip which is the exactly the reason I am disputing the charge. Citibank sent me a follow up letter on XX/XX/year> advising my dispute was closed again and I would owe the full amount. Their reason was the same as previously listed which was that I did not provide a credit slip. My impressions are that Citibank 's standard procedure is to side with the merchant as their response letters appear to be form letters and do not match the specifics of my charge dispute. Citibank 's online reputation is that they always favor the merchant in these type of disputes and their handling of my case appear to confirm this as their reasons for closing my case do not match my specific dispute. Any assistance would be 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 monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions 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 non-monetary relief
Consumer complaint received 2024-09-06 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:
Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.

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 2024-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: FIRST COMMUNITY MORTGAGE, INC.
State: WI

Complaint narrative:
On XX/XX/year> a request was submitted to First Community Mortgage ( FCM ) for a mortgage payoff letter. This payoff letter is required to refinance my mortgage with a new lender. This letter was received incorrectly starting an escrow disbursement which exceeded the current escrow balance in the estimated amount of {$5200.00} therefore increasing my total payoff by that amount. I immediately contacted them about this figure, they initially stated it was for a property tax bill. I informed them that we do not owe any property taxes and provided a statement from the county treasurer proving no taxes owed. I was then transferred to several different departments to resolve this issue. No resolution was given. FCM continued to claim it was for property taxes but would not provide proof of this discrepancy. I called no less than 10 different times over the next several weeks trying to resolve this issue, spending several hours on phone calls. I was hung up on several times. My lender and the title company handling the refinance called FCM several times to help resolve the issue, both were hung up on. I missed my first 2 closing dates due to this issue. Finally, during a phone call a representative from FCM admitted it was a mistake on their end but refused to remove that balance from the payoff letter, no explanation was given. On XX/XX/year> I was forced to pay this additional {$5200.00} in order to close the re-finance. This issue has not been resolved and FCM is unwilling to resolve the mistake made on their end. This {$5200.00} has been withdrawn from my account and is being held hostage at the title company waiting for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These inquiries are unrelated to me, and I am not affiliated with the listed creditors.

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 2024-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IN

Complaint narrative:
Aargon Agency, Inc contacted me by phone about a medical bill. I asked them to only contact me in writing and to provide debt validation in accordance to the Fair Debt Collections Practices Act. They responded with a letter outlining part of the information required but did not include their legal authority to collect the debt nor did they provide the original contract bearing my signature. 
I replied and asked again to be provided with that information. They sent a second letter with the same information as the first letter and they have now started calling me again rather than communicating in writing.

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 2024-09-06 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: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-06 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: EQUIFAX, INC.
State: MA

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
XXXX did not receive original purchase agreement according to 15 usc 1692c

Company response to consumer: Closed with explanation