vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 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: NJ

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their repeated failure to address and investigate the errors on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a dispute through USPS Certified Mail ( Tracking # XXXX ), which was delivered on XX/XX/XXXX. Despite the statutory requirement for Experian to respond within 30 days, they continually refused to investigate my disputes. This refusal occurred in responses dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all citing an alleged belief that the disputes did not originate from me, obstructing my rights under the FCRA. 

Moreover, resorting to Experian 's online dispute form, I raised subsequent disputes on XX/XX/XXXX, followed by another on XX/XX/XXXX, and XX/XX/XXXX. While Experian responded on XX/XX/XXXX, outlining their verification process and once more on XX/XX/XXXX, affirming the accuracy of the disputed items, the investigation results were in stark contradiction to my personal communications with XXXX XXXX XXXX. 

Regarding the account from XXXX XXXX XXXX, the credit report fails to capture complete and accurate information. The reporting inconsistencies include the absence of payment history from XX/XX/XXXX to XX/XX/XXXX, as well as inconsistencies in reported balances and missing payment data. Additionally, despite my attempts to resolve this with XXXX XXXX XXXX directly, their responses dated XX/XX/XXXX, and XX/XX/XXXX, were both incorrectly addressed to XXXX XXXX, a name unfamiliar to me. 

In relation to the XXXX XXXX  Bankruptcy, Experian claims to obtain public record information from XXXX. However, a response dated XX/XX/XXXX, from XXXX contradicts Experian 's investigation results of XX/XX/XXXX, indicating that Experian failed to respond to their dispute about the accuracy of the bankruptcy record. 

Attached, please find copies of all correspondence with XXXX XXXX XXXX, XXXX, and Experian 's responses, substantiating my efforts to rectify these discrepancies.

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 2023-11-27 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: TN

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX, Transunion, and XXXX regarding unauthorized hard inquiries, fraudulently obtained bankruptcy information, and incorrect personal information that is being reported on my credit report. I believe that these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and warrant an investigation. I kindly request that the Consumer Financial Protection Bureau investigate the following issues : 1. Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-11-27 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: TN

Complaint narrative:
I am writing to file a formal complaint against XXXX, Equifax, XXXX, and XXXX regarding unauthorized hard inquiries, fraudulently obtained bankruptcy information, and incorrect personal information that is being reported on my credit report. I believe that these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and warrant an investigation. I kindly request that the Consumer Financial Protection Bureau investigate the following issues : 1. Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: LA

Complaint narrative:
I have 3 different credit scores for each Bureau.Im a victim of identity theft.

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 2023-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is a collection my account that shows this month XX/XX/2023. I have never seen this collection or was even aware of it, when you click the name is it not me. Also, I have called the hospital and they said the date I was there was XX/XX/2023 I never went to a hospital around that time and i have never been to XXXX XXXX XXXX at all. I am confused why there is a collection under my report, I am not sure if it is fraud or what but this is not correct, and i would like this to be taken off my 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 2023-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Urgent Report Regarding Fraudulent Activity and Identity Theft Dear [ Consumer Protection Bureau ], I hope this message finds you well. I am writing to report a case of identity theft and fraudulent activity involving XXXX XXXX XXXX XXXX credit. I have diligently tried to resolve this matter directly with the involved parties, but unfortunately, my efforts have been met with significant challenges. 
Here is a detailed account of the situation : Fraudulent Account Creation : I never applied for a credit card with account number XXXX from XXXX XXXX XXXX XXXX. However, an account was created without my consent, and XXXX XXXX reports it as if it belongs to me. 
Employment Related Issue : I was an employee at XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX ). During my employment, the managers, including the general XXXX XXXX XXXX, HR XXXX XXXX XXXX, and XXXX XXXX XXXX, misled me into applying for a credit card, which resulted in the unauthorized creation of the account. 
Unauthorized Credit Card Issuance : After applying for a XXXX, XXXX XXXX issued me a store credit card without my permission, claiming it is an automatic approval if the XXXX application is denied. This practice seemed irregular, and when questioned, the general manager dismissed my concerns. 
Stolen Car Incident : Following my resignation, my car was stolen out of XXXX XXXX XXXX employees private parking lot by XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX  Tx XXXX where I found my car at and hes ID XXXX : XXXX who I believe may have ties to the mentioned managers due to the circumstances surrounding my departure. 
Police Report and Lack of Resolution : I reported the car theft to XXXX XXXX XXXX Police Department ) with report number XXXX, but there has been no resolution. Despite providing all necessary documentation, the case seems to be in limbo. 
Unresolved Credit Issue : XXXX XXXX 's investigation into the fraudulent account has yielded no results, and they continue to insist that the account belongs to me. 
I have exhausted all available avenues to resolve these issues, and I am now seeking assistance from the Consumer Protection Bureau to investigate and intervene in this matter. I have retained all relevant documentation, including screenshots and records of conversations with the XXXX XXXX XXXX managers. 
Your prompt attention and assistance in this matter would be greatly appreciated. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
I was approved for XXXX loan from Acima and due lack of delivery from XXXX I cancelled my order the next 2 days I want to uncancel my order they you can do that and both companies took me through tedious process of not responding and lost my credit at Acima.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have written TransUnion and asked that they provide me with proof of how the following accounts were verified. I requested proof of the original contracts that I signed with each agency and the statement that I agreed to about how these companies and I would handle late payments and if the accounts were closed what we would do. As of today, I have never received proof of how these alleged accounts were verified accurate and as I never received the original contracts that I signed with these companies. Therefore, I am requesting that these accounts be removed from my credit report as soon as possible. The accounts in question are : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to you with a sense of urgency and frustration regarding the fraudulent accounts that have infiltrated my credit report. It is imperative that you take immediate, aggressive action to rectify this situation, as it is causing severe damage to my financial well-being, and I hold Equifax responsible for allowing these errors to persist. 

The following fraudulent accounts have been reported on my credit profile : XXXX XXXX  XXXX Despite my relentless pursuit of justice and rectification, these fraudulent accounts continue to plague my credit profile, causing untold harm to my financial standing. I am not merely requesting, but DEMANDING that Equifax launch an immediate and aggressive investigation into these disputed accounts, ERADICATE them from my credit report, and furnish me with a revised credit report that reflects the truth about my creditworthiness. Thank you for your immediate attention to this critical issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The funds in our account in the amount of {$1900.00} were withdrawn on XX/XX/2023. We contacted the tax department that had levied our account. I was told by the tax department employee that she had instructed Bank of America to hold the funds until she had reviewed the file. She then informed Bank of America that they should issue a check to the tax department for {$300.00} and the balance should be deposited back into our account. This was handled within a week of our account being levied. I was assured by the tax department that Bank of America had received all information they needed to deposit the money back into our account. 

Bank of America did not follow the instructions they were given and mailed a check for the entire amount of {$1900.00} to the tax department. Once the tax department received the check with the incorrect amount, they returned the Bank of America check back to them on XX/XX/2023. I have contacted the bank at least 25 times to find out why our money has not been returned. I've been told mostly that it's because they can not return the funds until they receive the check back. It's a Bank of America check written by Bank of America. I've asked them why they can not issue a stop payment of their own check. I've been told they can not do that. Today is XX/XX/2023 and the funds have still not been returned to our account. Of course, every time I contact Customer Service, they have to talk to the Legal Dept and half the time the answer that comes back from the Legal Department does not make sense. How can a bank keep a customer 's money because of an error the bank made?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
On XX/XX/2023 I submitted two payments too my servicer for two different loans ; that were not yet in default. The total payment was {$1300.00}. I noticed that the payment hadn't registered to my account, so I contacted ED Financial. After contacting them they told me that the payment was not showing up in there database. I believe fraudulent activity is a foot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-11-27 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: FL

Complaint narrative:
I sent letters out in XXXX 2023, XXXX 2023, and sent more letters to the credit bureaus on XX/XX/2023 I am contacting you because of a on going problem with inaccurate information reporting to my credit report and its putting me in financial harm! I filed complaints with yall also and nothing happen, I am demanding these items be removed from my credit report ASAP!

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX removed XXXX XXXX XXXXXXXX from my file XX/XX/XXXX as a result of the dispute I filed with them. Filed dispute XX/XX/XXXX the XXXX XXXX XXXX with Experian. Received results XX/XX/XXXX. It was Updated not Deleted. 

All 3 reporting bureaus are to have the same information, correct? 

I want XXXX  XXXX XXXX Deleted from Experian and XXXX so my credit reports have the same information. 

Thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-11-27 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: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-11-27 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: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX I applied to Capital One for a credit card and was essentially denied almost immediately I'm fully aware and of good standing and of competence to know my rights and my consumer rights state that and pursuant of certain acts by federal law I shouldn't be denied credit and the fact that my social security number was ran and it was a transaction completed somebody benefited and I have not benefited on top of that the inquiries that have happened and taking place have caused damages so right now I sent out a letter I sent out an affidavit hopefully we won't have to take this to arbitrary thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan Number XXXX PHH Mortgage Services Escalations Department 1 Mortgage XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX XXXX XXXX, We are submitting a application for mortgage assistance per our instructions from the customer service representative. We applied for mortgage assistance last year and was granted a trial modification without any supporting information. After requesting not receiving supporting information PHH set an appointment for us to discuss the details with our escalations manager XXXX XXXX XXXX, which we were told upon scheduling the meeting XXXX would provide. We were left without the information we needed to move forward and we are still trying to receive the missing information. Although we scheduled time with XXXX she was not available and the representative that called instead of XXXX had absolutely no information to share with us. We have been fighting to maintain our property, we have carefully submitted the information requested by PHH in a timely manner. 
My hardship started during the banking collapse in XXXX I have struggled to gain adequate employment. My employment difficulties has place a huge burden on me and my family. I have secured my insurance license and agency with earn potential to meet my obligations as I once did prior to my misfortune. 
In closing, we are asking for mortgage assistance however that looks, after reading options from PHH we are 100 percent positive that given an opportunity we can meet our responsibilities moving forward, creating a winning solution for both parties. Time is of the essence there is a sale date of XX/XX/XXXX. We are asking that you work with us to salvage this damaged account. If there is any additional information needed please do not hesitate to contact us. 

Genuinely, XXXX & XXXX XXXX C.C. CFPB C.C. HUD

Company response to consumer: Closed with explanation