vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 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: MD

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-11-26 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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
NewRez LLC stated that on XXXX XX/XX/year> that they sent back the payoff on our home loan due to a shortage. Upon contacting the title company in XXXX AZ, the escrow person named XXXX XXXX said she was never notified of the shortage and that no wire transfer was received by her company. We have attempted to find out where the funds were sent by NewRez LLC when they kicked it back and we were told XXXX different stories of what may have happened, including XXXX supervisor who said they don't have to track wire transfers. Under the Bank XXXX XXXX XXXX XXXX IS REQUIRED to account and due diligence when conducting wire transfers. The amount was over 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 explanation
Consumer complaint received 2024-11-26 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX Took {$1300.00} from my checking. They had claimed I had an account with them From XX/XX/XXXX. They started calling myself in XX/XX/XXXX to see if I wanted to keep there service. I said no. They were giving myself the run about cancelling. I had opened my banking account with them on line with my laptop. That is when they took the money out of my checking. Now they are saying if I do not cancel the service with them. They will take {$6800.00} out of my account. I have talked to a lawyer about this. Was told by the lawyer that is a scam and not to talk with them. In XXXX the lawyer got them on the line. So it was a XXXX way call.The lawyer had said that this was a scam. The person from XXXX XXXX said it was not a scam.They always use phone numbers that can not be traces. The last call i got was XXXX. XXXX XXXX XXXX XXXX ext XXXX. That was XXXX XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Hi I made an account with citizens bank on XX/XX/XXXX. I deposited XXXX checks in the amount of {$10000.00}, {$4200.00}, {$9000.00} & {$10000.00}. Also we received a wire of {$310000.00}. XXXX of checks bounced for {$10000.00} which XXXX able to provide a replacement check. They had a hold on my account till XX/XX/XXXX which got extended to XX/XX/XXXX. I called the bank multiple times for an update but no answer when my account will be active. I need my funds released ASAP because i have a closing coming soon for a property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: PA

Complaint narrative:
I noticed a fraudulent collection on my credit report on XX/XX/year> and reached out to the company to have it removed, but was unsuccessful. I contacted Identitytheft.gov in reference to XXXX XXXX XXXX XXXX to help me with this matter. 
Here is the reference number XXXX, the account is not mine and has a balance of {$500.00}

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
Consumer complaint received 2024-11-26 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: PA

Complaint narrative:
I noticed a fraudulent collection on my credit report on XX/XX/year> and reached out to the company to have it removed, but was unsuccessful. I contacted XXXX in reference to XXXX XXXX XXXX XXXX to help me with this matter. 
Here is the reference number XXXX, the account is not mine and has a balance of {$500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: PA

Complaint narrative:
I noticed a fraudulent collection on my credit report on XX/XX/2024 and reached out to the company to have it removed, but was unsuccessful. I contacted XXXX in reference to XXXX XXXX XXXX XXXX to help me with this matter. 
Here is the reference number XXXX, the account is not mine and has a balance of {$500.00}

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 explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: KY

Complaint narrative:
A chime account was recently opened in my name. This started when I received unsolicited texts to my phone about a new Chime account. I assumed these were spam or fraud since I didn't initiate any application. I never provided ANY information to Chime. However today I received my new Chime card in the mail at my correct home address. 

I called their number at XXXX ( XXXX ) XXXX at XX/XX/year> XXXX XXXX Unfortunately they would not speak with me until i provided the last XXXX of my XXXX, which I refused a couple of times and insisted they verify me another way. After their refusal I ultimately did provide my last XXXX of my XXXX with great reluctance. I insisted that they close the account immediately The customer rep said this would be complete by XX/XX/XXXX, which is XXXX XXXX  from now. I will be monitoring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out to formally dispute the inclusion of a XXXX on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this XXXX should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the XXXX still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.

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 2024-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PLANET HOME LENDING, LLC
State: CO

Complaint narrative:
Went to refinance with Planet Home Lending. They told us we could skip XXXX and XXXX payments then close in XXXX. Still dont have a closing date. Now its negatively affecting our credit score because now they want us to pay for the months we missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 2024-11-26 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-11-27 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: FL

Complaint narrative:
my XXXX  card is reporting on my report falsely and i was sent a 1099 C showing my debt has been canceled, i need the XXXX  card from XXXX XXXX removed

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 2024-11-27 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: FL

Complaint narrative:
my XXXX  card is reporting on my report falsely and i was sent a 1099 C showing my debt has been canceled, i need the XXXX  card from XXXX XXXX removed

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 2024-11-26 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: MI

Complaint narrative:
I am writing to formally lodge a complaint against Experian, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX that I do not recognize.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
This company is publishing an alleged public record without my written instructions. I have submitted multiple disputes and the response is it was verified. Regardless of verified I I my lawful rights to privacy. Just because something is made public my the court does not mean you can legal screen grab my information and provide or even sell alleged information without my written instructions. 

15 US CODE 1681 ( a ) ( 2 ) ( b ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( b ) Conditions for furnishing and using consumer reports for employment purposes Pursuant To 15 USC 1681n ( Civil Liability For WillfulNoncompliance ) {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: MD

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have received a letter from XXXX XXXX XXXX for XXXX XXXX XXXX on XX/XX/XXXX. The letter states that I have satisfied the account ending in XXXX as of my last payment of {$110.00} on XX/XX/XXXX. XXXX XXXX XXXX XXXX has been wonderful and had great service. With this being stated first, I have been trying to pay all my debts on my credit report one by one. 

So, I received a letter from Midland Credit Management ( MCM ) stating I owed like {$830.00} and I set up payment arrangements to have {$64.00} taken out monthly from my bank account automatically. When I received the paid in full letter from XXXX, I called MCM and stated my case and the worker did not want to cooperate. I asked to speak to a XXXX. He stated, after I stated my case that they are charging me for a paid in full account, that he would stop collections on your account and send me a settled in full letter. I did not agree. I stated that I wanted the entire balance paid to date refunded to my bank account that this is theft and fraud. He stated he could not do that. He was going to issue me a paper check in the mail and could not tell me when I would receive it. I told him that I will be reporting them for theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: TX

Complaint narrative:
Unauthorized and fraudulent entries persist on my consumer report despite my documented identity theft claims. Your continued reporting of these items violates federal identity theft protection laws and the Fair Credit Reporting Act. 

You must delete and block all fraudulent entries within 4 business days. Failure to comply will result in immediate legal action seeking : - Statutory damages of {$1000.00} per violation - Full recovery of actual damages - Attorney fees and court costs

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 2024-11-26 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: TX

Complaint narrative:
Unauthorized and fraudulent entries persist on my consumer report despite my documented identity theft claims. Your continued reporting of these items violates federal identity theft protection laws and the Fair Credit Reporting Act.

You must delete and block all fraudulent entries within 4 business days. Failure to comply will result in immediate legal action seeking : - Statutory damages of {$1000.00} per violation - Full recovery of actual damages - Attorney fees and court costs

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 2024-11-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation