vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: OH

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX. These accounts resulted in several fraudulent hard inquiries appearing on my XXXX credit report. I demand that the aforementioned fraudulent items to be removed from my each of my consumer XXXX XXXX reports pursuant to my rights within the FCRA and FDCRA laws. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-07-09 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AmeriHome Mortgage Company, LLC
State: OH

Complaint narrative:
I purchased my home late XXXX of 2024, and started paying mortgage payments in XXXX. I have paid my mortgage payment every month but my mortgage company, Amerihome Mortgage Company, will not receive my payments. I pay the amount every month on the first and then I get an email that states thank you for your payment then for the rest of the month I get calls from the mortgage company saying I have never made a payment at all and the payment has been rejected. I have called my bank and they say it has nothing to do with them. They are now threatening foreclosure and wont do anything to help me. Ive given them my bank routing numbers multiple times and I have spent many hours on the phone with them and nothing ever gets resolved. Ive done research on this company on XXXX and there are hundreds of people dealing with this same 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 2024-07-09 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: CA

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 non-monetary relief
Consumer complaint received 2024-07-09 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
In XXXX I opened the Chase Credit Card XXXX. This card gives me miles when I pay for stuff with the card. 
When I opened the card they promised me to pay for my XXXX fees. I used the card to pay for the XXXX fees and I have not received any refund. The total amount is {$70.00} dollars. I contacted Chase on XX/XX/XXXX and they said that I should get the refund soon. Until today, I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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 informationisinaccurate.

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 2024-07-09 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, XXXX account ending in # XXXX, XXXX XXXX dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX. XXXX XXXX dated XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Most account numbers weren't included in my credit report. 

15 U.S.C. 1681, Section 604, Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: OneMain Finance Corporation
State: NY

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, XXXX  account ending in # XXXX, ONEMAIN FINANCIAL dated XX/XX/XXXX, and ONEMAIN FINANCIAL dated XX/XX/XXXX. XXXX XXXX dated XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Most account numbers weren't included in my credit report. 

15 U.S.C. 1681, Section 604, Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: NJ

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 explanation
Consumer complaint received 2024-07-09 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: IL

Complaint narrative:
XXXX Opened XX/XX/2023 ( XXXX mos ) Account status Open Type -- Responsibility Individual Original creditor name XXXX Open Balance {$2800.00} The Signature Wasn't in handwriting INK on paperwork

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 2024-07-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX Opened XX/XX/year> ( XXXX mos ) Account status Open Type -- Responsibility Individual Original creditor name XXXX  Open Balance {$2800.00} The Signature Wasn't in handwriting INK on paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a credit alert for inquiry for JPMBC Credit, which is Chase on XXXX. Today in the mail, I received a denial letter for a Chase Freedom Flex World Elite account. The account wasn't opened, but I did not request nor have knowledge for this request. ' I called XXXX to determine if any other inquiries were made to my profile, but it was only Chase. I then called Chase to determine if they could share any additional information and they were unable to do so. Since it only happened at Chase and I have already 3 credit cards with Chase, could this have been done internally?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Company : XXXX I submitted documentation to freeze XXXX XXXX XXXX XXXX children 's credit. After carefully reviewing the information on XXXX 's website, I gathered identical information for each  child and sent 2 packets of information ( one for each  child ) in the same envelope via certified mail. I made sure to include a note that there were requests for XXXX children within the envelope and each child had their own packet. 
About 10 days later, I received confirmation that credit was frozen for XXXX of my children but a ) mind and their last name was spelled incorrectly on the confirmation letter and b ) I did not receive confirmation for my XXXX XXXX  child. 

I called XXXX to find out what the status is of the XXXX XXXX child 's credit freeze and to confirm the name for the child with the successful credit freeze. 

The first customer service agent I spoke to informed me that I would have to resend the XXXX  child 's information because it " probably didn't have the right documentation ''. After I pushed back repeatedly and said that each  child had the same documentation, I asked to be transferred to a supervisor. The supervisor continued to tell me repeatedly that I needed to send in new information and that they could not check on the name dispute. There was no effort to help my situation and the supervisor refused to transfer me to someone who could help. It was obvious I was dealing with a call center who had no insight into my situation or power to help me. It appears that I wasted a bunch of time carefully preparing these documents and I have no way to confirm if my child 's credit is frozen. 

I consider XXXX  credit freeze to be a scam for XXXX and am extremely disappointed.

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 2024-07-09 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: 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 explanation
Consumer complaint received 2024-07-09 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: MA

Complaint narrative:
I am writing to formally dispute an unrecognized account that is currently listed on my credit reports with both XXXX and TransUnion. The details of the account are as follows : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Current Balance : {$1300.00} Status : Closed and charged off I do not recognize this account, and I did not authorize its inclusion on my credit reports. I have no knowledge of this account, nor have I ever held an account with the details mentioned above. The only credit bureau that has removed this account from my report is XXXX. However, it is still inaccurately reported on my XXXX and TransUnion credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and verifiable information. I request that this account be investigated and removed from my credit reports immediately as it is not a valid representation of my credit 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Texas XXXX Equifax Information Services, XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX Consumer Financial Protection Bureau FTC XXXX Dispute Processing XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Michigan XXXX Social Security # XXXX XXXX : XX/XX/XXXX At this time, I ask that any fraud alert that exists on my credit bureau to be lifted at once. I never requested one, and it was placed by a third-party without my complete approval and authorization. Please remove at once. 

I am at this time requesting my free annual copy of my credit report as mandated by the Fair and Accurate Credit Reporting Act. 

Please send my free credit report to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Social Security # XXXX XXXX : XX/XX/XXXX Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: FL

Complaint narrative:
First Credit Services is listed on my credit report as a collection in the amount of {$280.00}. This debt to be collected is reported in accurately. When asked for the original contract to be given none of which was provided in since XXXX  and XXXX.This information of a debt owed by a company that has since harassed and scammed so many people regarding debts not owed. I ask for this inaccurate information be deleted immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please review my reports. I have requested that the incorrect information listed on my credit report to be removed and the creditors are refusing to cooperate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
The company has information on file that is the result of identity theft and should have been removed but refuses to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
During the Covid-19 Pandemic I did not take XXXX dollar of unemployment or PPP funding . The account in question has been on my credit report longer than legally required. In addition, I should have never had any late payments showing during the Covid-19 timeline. Since this account is paid in full, I respectfully request as a professional courtesy the deletion of the account permanently. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: FL

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. The hard inquiries in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize these inquiries, they do not meet the criteria set forth by the FCRA. Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation to verify the legitimacy of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
They are reporting information that is not metro 2 compliant and they are in violation of the FCRA. All accounts and codes are included to document proof of these violation before litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: NC

Complaint narrative:
They are reporting information that is not metro 2 compliant and they are in violation of the FCRA. All accounts and codes are included to document proof of these violation before 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