vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: CA

Complaint narrative:
The letter I've sent Experian stated in my dispute letter and quote " I am writing to formally dispute inaccurate information that appears on my credit report as maintained by Experian. This letter serves as my official notice of dispute under the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. So I received a letter from Experian stating that their investigation is Fraudulent reporting and yet they responded by as being XXXX an Verified WOW! so I pulled my XXXX and XXXX and account numbers are the same as it shows that no payments has ever been missed or late. But Experian is claiming that I have missed payments and been late. Experian did not disclose their investigation. These accounts need to updated or removed from my credit report Report Number XXXX Legal Basis for Dispute : 15 U.S. Code 1681 : The FCRA XXXX accurate and fair credit reporting.

15 U.S. Code 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 
15 U.S. Code 1681s-2 : Addresses the responsibilities of furnishers of information to consumer reporting agencies. 
15 U.S. Code 1681i ( a ) ( XXXX ) : XXXX the procedure for the deletion of inaccurate, incomplete, or unverifiable information. 
Specific Dispute Details : I am disputing the following inaccurate information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Specific Inaccuracies : 15 U.S. Code 1681i ( a ) ( XXXX ) This information is incorrect and must be investigated and removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Specific Inaccuracies : 15 U.S. Code 1681i ( a ) ( XXXX ) This information is incorrect and must be investigated and removed. 


Affidavit of Truth : This affidavit is made pursuant to the Fair Credit Reporting Act as codified at 15 U.S. Code 1681. I do not consent to any automated scan response or XXXX verification methods. 

Certification : I certify under penalty of perjury under the laws of the United States of America pursuant to XXXX XXXX. XXXX ( XXXX ) that the foregoing is true and correct. 

Supporting Documentation : I have enclosed the following documents to support my dispute : Copy of Credit Report with Disputed Items Highlighted Copies of Identification Documents Copies of Supporting Documents Please investigate this matter and correct the disputed information as soon as possible. I expect your investigation to comply fully with the requirements of the FCRA and all relevant statutes and regulations.

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 2024-06-25 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:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting XXXX XXXX correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be XXXX XXXX accurate on my credit report and XXXX 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting XXXX XXXX accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2024-06-25 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: CA

Complaint narrative:
My phones have been monitored since 2011 and continue to be monitored. I told all XXXX credit reporting agencies to lock my credit for XXXX  years after my recovery from the SEC enforcement act was laundered and XXXX passports were stolen. XXXX and equitax said they would put an extended XXXX  year credit freeze on my credit however XXXX keeps refusing to lock my credit for XXXX  years and has been giving my employer access to my credit. I have filed federal and police reports but they refuse to lock my credit or even update my phone number on my account. I cant access my account without them updating my phone number on file. They have refused to sign me up under the data breach settlement several times even though they know they are at fault!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Mortgage — FHA 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: Rocket Mortgage, LLC
State: UT

Complaint narrative:
I have a XXXXXXXX XXXX mortgage XXXX Rocket Mortgage. My sister had taken residency and took over the payments for a few months. I had moved out of state, my sister said she would be able to handle the payments of {$1100.00} but fell behind. My rent in the place I moved to is {$1400.00} without utilities. I thought I could afford both the mortgage and my rent until she got control of her finances, but sadly I could not afford both. I am somewhat new to credit and don't fully understand it and did not think the XXXX missed payments on my credit would be that big of an issue. But it has caused me quite a hardship with applying for new loans and looking at possible car payments. The XXXX missed payments are in XXXX and XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX PNC Bank Dear Sir, On XX/XX/year> we had a charge of {$98.00} by XXXX on our account, we had nothing to do with XXXX. 
My husband called to get a refund and was directed to go to a website ( XXXX ) by XXXX XXXX ( # XXXX ) when he went to the website he was instructed to put in his name and address and the name of our bank he never gave any account numbers .The screen went to a solid blue after about XXXX seconds then our account came up on his computer display and he was in control of the curser. He was told to enter the amount of refund as {$70.00}. After that the screen went blue again. He was controlling our accounts without any authorization from us. He said he overpaid our account by {$7000.00}. When he actually transferred {$7000.00} out of our savings. And put it in our checking and also made a cash advance of {$2500.00} on our credit card without our authorization. My husband didnt realize this was our money. He was instructed to get bitcoin and gift cards to repay him. My husband thought he was being honest to repay him. 
After he realized what was happening, he reported to the police and FBI. We also had our computer cleaned and discovered there was a virus ( support.client ) XXXX XXXX was replaced. PNC is not claiming any responsibility even though there was no authorization for the transfers of funds or cash advance.We are in our seventies and it will be hard to recover this amount of money. We are victims of this scammer and feel hopeless for any help. We have been with PNC for over 40 years. And reaching out for any help you can give us. I know its not a lot of money for most people but its all we had for emergencies. 
Copies being sent to : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received a letter from XXXX XXXX XXXX re my info may be hacked due to data breach. After several attempts to sign in to take advantage of my free Experian Identityworks, XXXX XXXX XXXX signed me up over the phone However, I was not able to sign in. I was told that XXXX of my answers to their security questions was different from what they had. I am sure the answers are correct and their info is inaccurate or fraudulent. I explained to the service reps ( XXXX ) that someone recently applied for a credit card in my name, and there may be false or fraudulent info in Experian 's data base. I am willing to provide any info -- bank guarantee, notarized statement, or other paperwork to prove my identity. I was told the only way to prove my identity was to answer all the security questions correctly -- even though they may contain inaccurate info. 

PS. some time ago I froze my credit bureau info as a precaution. I can still sign in to that account but the only options I have are to unfreeze my account ( no way ) or buy for {$29.00} per month their ID protection..

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint seems to be about issues described in an earlier complaint. COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Debt collection ISSUE Communication tactics This complaint appears to be about issues described in complaint XXXX. Companies are generally not required to provide a new response to issues described in an earlier complaint. If you are not satisfied with the companys response to complaint XXXX, heres what you can do : Tell the CFPB and the company what you think about t THIS IS NOT TRUE. THIS IS ABOUT A SEPARATE LETTER THAT WAS RECEIVED ON THE XXXX AND RESULTED IN AN ADDITIONAL XXXX OF DAMAGES. XXXX XXXX! PROCESS THE XXXX COMPLAINT! THE CFPB OUGHT NOT TO BE DEFENDING BANKRUPTCY FRAUD! FILE THE XXXX COMPLAINT! IT IS A SEPARATE COMPLAINT XXXXXXXX XXXX XXXXXXXX I HAVE ADDED THE RECORDING OF THE CFPB HANGING UP THE PHONE ON ME AND NOT REFILING THE COMPLAINT. XXXX XXXX. THIS IS 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 2024-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Last 4 SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Subject : Dispute of Inaccurate Collection Account Information Dear XXXX XXXX XXXX XXXX I am writing to formally dispute inaccurate information that is listed on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The specific item I am disputing is as follows : - **Account Name/Number** : XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXType of Discrepancy** : Inaccurate Collection Account I have reviewed my credit report and have found that the above-referenced collection account is inaccurate. The details of my dispute are as follows : - [ Explain the reason for the dispute ; for example, this account does not belong to you, it was paid in full, it was never late, etc. 

In accordance with the FCRA, I request that you conduct an investigation into this matter and remove or correct the inaccurate information from my credit report. Please provide me with the results of your investigation within 30 days of receipt of this letter. 

Additionally, I request that you notify the creditor/collection agency of my dispute and ensure that they cease reporting this inaccurate information. Under the FCRA, any information reported must be accurate and verifiable. 

Please find my personal information below for your reference : - **Full Name** : XXXX XXXX - **Date of Birth** : XX/XX/XXXX - **Social Security Number** : XXXXXXXX XXXX **Address** XXXX XXXX XXXX XXXX  Thank you for your prompt attention to this matter. I expect a confirmation from you once the correction has been made. If you require any additional information, please contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft, my sister XXXX used myinformation to open accounts that i wasnt aware of. i have doen evrything that the bureaus have requested that i do and the items are still 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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft, my sister XXXX used myinformation to open accounts that i wasnt aware of. i have doen evrything that the bureaus have requested that i do and the items are still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/24 | wanted to purchase a pair of shoes at Macy 's. The cashier asked me if I wanted to use my Macy 's card. I said I didn't have one. She asked me did I want to sign up for one, I said I don't want a credit card. She said it's not a credit card. I said as long as it's not a credit card, then sure. 
She pressed some keys on the keypad in front of me and then enters my ID information. She asked me to enter other information such as my DOB and SSN. I asked if she was certain this was not a credit card. This is a lot of information for a rewards card. She said it's not a credit card, it's a Macy 's card. I said it's not a credit card. She said no. She had me sign and I saw American Express on the screen. I said I do not want a credit card. The screen says American Express. She said, it just has it there for the people that are applying for a credit card. She then had me prove my information was correct and hit enter. She told me she needed to call customer service. I didnt understand why you would need to call customer service for a rewards card. I asked again if it was a credit card application and she said yes a charge card. I then asked to speak to her manager. The manager took me to the office where her associate XXXX helped clear up the mess. She had customer service cancel the application and reverse the hard credit inquiry.

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 2024-06-25 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: DE

Complaint narrative:
after carefully reviewing my credit report i have notice the accounts listed below are not mine i do not owe debt or have a contract with these companies law 15 u.s.c 1681 5-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX i would like these accounts removed from my credit report asap which is hurting my ability to obtain credit & purchase a home

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
The consumer applied for a consumer line of credit with Navy Federal XXXX of XXXX. Navy Federal approved the consumer line of credit ( $ XXXX ) based on her creditworthiness ( XXXX credit score ) at the time. The account was closed in XXXX by the guarantor ( Navy Federal ).

Please remove the trade line ( Navy Federal ) from my credit report in its entirety. 

Please review the XXXX XXXX ( credit report ) attached. The creditor updated the consumer credit report, confirming the line of credit was expected to fall of the consumers credit report, XX/XX/XXXX. 

1. Please remove Navy Federal account ( credit card ) from my XXXX XXXX credit report asap & re-evaluate my credit score & as I am trying to rebuild my credit worthiness ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX Account number XXXX was never late in XXXX and XXXX of XXXX. Please make sure the credit report reflects no late payments on XXXX and XX/XX/year>. Please update their credit report and have it reflected that XXXX XXXX Account number XXXX is in good standing and was never late. This needs to be reflected in their credit report. We hope this resolves the error.

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 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Dear XXXX, I am writing to formally lodge a complaint against Chase Bank regarding their unlawful withholding of funds deposited into my account. Below is a detailed account of the situation : XXXXI deposited a check into my Chase Bank account XXXX payable to my business and XXXX of my clients. 
XXXX-The check was properly endorsed by all parties involved. 
XXXX-Chase Bank subsequently closed my account, stating that they could not verify the information of my XXXX clients. 
XXXX-I provided Chase Bank with the phone numbers of my clients as requested. 
XXXXChase Bank claimed that the phone numbers provided were not registered under my clients ' names and thus could not verify their identities. 
XXXX-I proposed that my clients visit the bank in person with their identification to verify their identities, but Chase Bank refused this solution. 
XXXXMy clients then opened new phone lines registered under their names and provided this updated information to Chase Bank . 
XXXXDespite my clients now having phone numbers registered under their names, Chase Bank still refuses to release the funds. 
XXXX-Chase Bank has stated that they will withhold the funds indefinitely until my clients can get a phone in their names, which they have already done. 

This situation has caused significant distress and inconvenience to both myself and my clients. When I opened the account and deposited the check, I was not informed that such issues could arise. Chase Bank 's refusal to cooperate and release the funds despite my clients meeting their verification requirements is unacceptable. 

I am seeking the assistance of the Consumer Financial Protection Bureau to resolve this matter promptly. I request that Chase Bank be instructed to release the funds immediately as my clients have complied with all the verification procedures. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-06-25 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: HI

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$21000.00}

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