vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, VA XXXX **Subject : Dispute of Unauthorized Credit Inquiry** Dear Sir/Madam, I am writing to formally dispute an unauthorized credit inquiry that was made on my credit report by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The inquiry, which appears to have occurred without my explicit consent, has adversely affected my credit score and caused me significant concern. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report. Specifically, I believe that the inquiry in question was not authorized by me, and I am requesting that it be removed from my credit report immediately. 

**Details of the Unauthorized Inquiry : ** - **Date of Inquiry : ** XX/XX/year> - **Name of Creditor : ** XXXX XXXX XXXX XXXX  via Dealer - **My Full Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** XXXX XXXX XXXX XXXX, XXXX, TX XXXX I kindly request that you : 1. Investigate this matter and provide documentation proving that I authorized this inquiry.

2. If you can not provide such documentation, promptly remove the unauthorized inquiry from my credit report.

3. Provide written confirmation of the removal of this inquiry and any correction made to my credit report.

Enclosed with this letter, I have included a copy of my credit report highlighting the disputed inquiry, and a copy of my identification.

I appreciate your prompt attention to this matter and look forward to receiving a response within 30 days of your receipt of this letter. Should you need any additional information, please do not hesitate to contact me at ( XXXX ) XXXX. 

Thank you for your cooperation, integrity, and diligence. 

Sincerely, XXXX XXXX XXXX XXXX [ Enclosures : Copy of Credit Report, Copy of ID ]

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 2024-06-18 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2024-06-18 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
Our mortgage was recently transferred to Newrez, LLC. They are authorized to take one mortgage payment per month from our checking account via XXXX, due on the XXXX of every month. Newrez took two mortgage payments out of our checking account for the month of XXXX - XXXX on XX/XX/year> and another on XX/XX/year>. They refunded the XX/XX/year> ACH payment on XX/XX/year> via an incoming wire transfer to our bank account, and we were charged a {$15.00} wire transfer fee by our bank, even though we did not initiate or authorize a wire transfer. I called our bank who said we would need to seek reimbursement from Newrez since Newrez initiated the wire transfer. I called Newrez on XX/XX/year> and was told that this had happened to numerous mortgagors and they would refund the wire transfer fee no later than XX/XX/year>. The {$15.00} fee was not refunded by XX/XX/year>, so I called XXXX again today, on XX/XX/year>. This time they said I needed to send proof of the {$15.00} wire transfer fee. Then the representative said never mind, she already had proof that we were charged a fee, and she said the issue has been resolved. When I asked how it was resolved, she said a refund has been approved but has not been issued. I asked when it will be issued, and she said she can not tell me when because the issue affected a lot of other people so it is going to take some time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to TXXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
They took the information at face value and did not actually look into the complaint I made. Other Credit Bureaus have removed the erroneous information based on my complaint/request. 

This is NOT a bankruptcy. The action was never filed and no action was processed by the XXXX XXXX XXXX at all. The matter was withdrawn without action. However Experian is did no actual investigation into what actually took place. 

This record needs to be removed by Experian as other Credit Reporting peers have done. 

Report Number XXXX Date Generated XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX .... 

Status : Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

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 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There has been fraud associated with my social security which has led to credit card fraud. Four accounts have been associated with my social security ( XXXX Capital One accounts, XXXX XXXX XXXX ) and have added me as an authorized user and I have zero knowledge of these accounts. Tied to these accounts is a newly added address to my credit file that I have zero knowledge of as well. I can not remove these credit accounts due to the address being tied to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: MO

Complaint narrative:
There were a host of inquiries filed on my report without my concent I havent applied for credit from any of these companies I need these inquiries deleted now

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 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marine One Acceptance Corporation
State: PA

Complaint narrative:
I am receiving emails from a debt collection agency called MarineOne in XXXX, XXXX which I believe are intended for someone with a similar name in a different region of the country. I reside in XXXX and have never stepped foot in XXXX. At issue seems to be a loan payment on a boat, and I've never purchased a boat. Despite informing them of their error as a courtesy and requesting they not contact me, they continue to do so and have indicated that they do not intend to stop. I would very much like some indication of what rights I have and what I can do to convince them to stop contacting me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX, PHH Mortgage Co sent me a letter stating " this is a final notice that your hazard insurance policy expired '' Previously, on XX/XX/XXXX, we furnished a copy of our XXXX XXXX homeowners policy for the period XX/XX/XXXX thru XX/XX/XXXX via fax. 
There was no notice prior to the XX/XX/XXXX letter indicating any hazard insurance policy issues from PHH Mortgage. We received monthly payments and statements from PHH, loan XXXX XXXXXXXX with no mention of an insurance problem On XX/XX/XXXX, PHH mortgage sent a statement adding {$1100.00} to our mortgage principal balance for '' unscheduled from XXXX XXXX '' I called on XX/XX/XXXX at XXXX to PHH XXXX customer rep XXXX XXXX XXXX XXXX XXXX  who spoke in almost incomprehensible accent and confirmed my policy from XXXX XXXX XXXX XXXX was on file but could not guarantee a correction to my mortgage balance. I should wait a week or more to see. He said he could not confirm his findings to me via email, letter or text but to send a duplicate copy of the aforementioned policy to his insurance dept. which I did. 
They sent a copy of their insurance policy from XXXX XXXX XXXX XXXX, Issue XXXX which duplicates my XXXX XXXX XXXX for the period XX/XX/XXXX thru XX/XX/XXXX ( therefore backdated ). 
This looks like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-18 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian offers only XXXX issues for contacting them via phone or web : Fraud or Freeze. After trying to access my XXXX I have been locked out. They do not accept my password for reasons unknown to me. Note : My XXXX is frozen by me which is ok. I want to get in and correct the password issue and there is NO option to get tech support. Are you aware of this issue?? And can you contact them to fix/allow a way to correct password issues? 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 explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Was informed by Synchrony Bank that they changed terms and would start charging a {$1.00} monthly fee to mail a paper statement. I have had this card for over 45 years as of now. this is ridiculous and is a perfect example of a JUNK FEE!! I contacted the company several times and was told that it was just too bad, and I could cancel my. account if I wanted to

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 2024-06-18 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: NY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-18 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: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-18 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2024-06-18 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: TX

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