vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: CT

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent 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 explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Mortgage — Conventional home 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: SN SERVICING CORPORATION
State: NY

Complaint narrative:
My home loan was consolidated with a home improvement loan. After realizing the principal amount on the note was incorrect they modified the principal amount from {$690000.00} to about {$620000.00}. I was being overcharged and after making the adjustment on the principal amount I do not believe an adjustment was made on the interest paid. My loan was sold several times and in my foreclosure action they presented a note that was not endorsed. Judgment of Foreclosure and sale was entered by default and not on the merits. Based on a recent forensic review it was recently discovered that in my bankruptcy proceeding the alleged lender had to prove they owned my loan and submitted a note with my forged signature. This note was not the same note they presented to the court in my case. Additionally there is only one endorsement. I have reason to believe that the party enforcing this claim is not the owner of my loan. Illegal charges has also been added onto my loan and the amount they claim is owed is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: WA

Complaint narrative:
I tried to contact Equifax..Equifax information services..LLC XXXX XXXX XXXX XXXX XXXX..about the credit cards and loans for jewelry ..and addresses..that are on my credit I haven't written a check in 13 years.. because of a hate crime harassment & retaliation case # XXXX haven't applied for any credit cards or loans in 13 yrs ..I gave up on check writing after XXXX branch manager continued to XXXX profiled stalk me by phone and person..My last address is in XXXX Washington ... in which I moved there in XXXXThe home school information is wrong ..I actually worked at XXXX XXXX XXXX XXXXIn which was one of the first XXXX XXXX XXXX XXXX in The XXXX Washington area..Owned By Prophet XXXX XXXX XXXX and His wife..who recently ran for congress as a united states senator..Former United States military ..who later gave me a Job as a XXXX..and also Working with XXXX with Famous Judge XXXX wife XXXX XXXX who owned one of the first XXXX american daycare..I have published more than XXXX XXXX ..and a XXXX yr author of a XXXX owned magazine XXXX XXXXThey dont have any of my jobs ..or recent business.they i never lived on XXXX XXXX in XXXX Washington thats wrong..I haven't lived in XXXX can't Washington for almost 14 yrs Now. XXXX XXXX XXXXThe loans are identity theft because I don't own no credit cards at all .nothing never have .I haven't applied for any credit for anything.after second hate crimes case threatening me not to ..and that several XXXX American people are on a none XXXX policy to not receive credit..across several computers because of XXXX covenants on them..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
PayPal canceled my account without any opportunity to appeal. When I called them to inquire why, they wouldn't give me any reason. The person I spoke with vaguely referenced unemployment fraud or unemployment insurance, which made no sense whatsoever, and when I asked for more information and a more complete explanation, he refused to provide it. I've never been accused of unemployment fraud or any type of fraud at all for that matter. PayPal did not provide any opportunity for appeal, simply limiting my account with no option to restore it and not providing any sensible reason for this action. I tried to manage without PayPal for a while, but it is becoming more and more of a problem for my business, as it impacting my ability to collect funds from other businesses I work with who only provide transfers via PayPal. The way they've handled this matter is truly outrageous and unacceptable, especially with a decision that has so seriously limited my ability to make simple financial transactions with other businesses that only use PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/2023 I was making a purchase at the Belk ( XXXX XXXX XXXX, XXXX, SC XXXX ) in the men 's department with my existing Belk Mastercard. The cashier said she could upgrade this card for an additional discount on my purchase. She specifically said the upgrade would be without any changes to my existing card- it was simply an additional discount. All I had to do was press here, enter that and I would receive the new and improved upgraded card with the same account number ( she said ). I specifically asked if I was applying for a new credit card and she told me I was not. Clearly this was a sales/marketing ploy and a direct lie. What happened was a hard credit inquiry and new credit card exactly like my existing card - no upgrade. Now I have XXXX of the same type of account and a new credit inquiry/account which I promptly closed. This is a blatant deceptive marketing practice and should be stopped. I submitted a complaint with the company - no response. I submitted a complaint with the FTC, and now this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: VA

Complaint narrative:
Account XXXX XXXX XXXX XXXX  account # : XXXX I am writing to file a formal complaint regarding persistent inaccuracies on my credit report held by Equifax. Despite assurances of account " verification '' and accurate reporting, discrepancies continue to exist across all three credit bureaus. Unfortunately, my previous attempts to obtain original documentation, including signatures, contracts, and details about the verification process, have gone unanswered. This lack of response constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically its requirement for a thorough investigation. 

Contrary to the assertion that all information is " verified '' and accurate, the following discrepancies persist on my Equifax credit report : XXXX. Date opened : Discrepancies exist across all three bureaus. 
XXXX Credit limit : Variances are observed across all three bureaus. 
XXXX. High credit : Discrepancies exist across all three bureaus. 
XXXX. Comments : Discrepancies exist across all three bureaus. 
XXXX. Date of last activity : Discrepancies exist across all three bureaus. 
XXXX. Payment history : Discrepancies exist across all three bureaus. 

The inclusion of inaccurate information on my credit report has severe consequences for my creditworthiness and financial well-being, resulting in unjust credit denials. I am dedicated to ensuring the accuracy of my credit report and insist on the prompt correction of these inaccuracies. 

Despite claims of a thorough investigation by Equifax, the information continues to be reported inaccurately, representing a violation of the Fair Credit Reporting Act ( FCRA ). I am not requesting a re-investigation ; instead, I demand the removal/deletion of the late payment notation for this account from my Equifax credit report. 

Enclosed, please find supporting documentation highlighting these inaccuracies for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: NC

Complaint narrative:
I have an auto loan throught XXXX XXXX  XXXX XXXX. I have called multiple times since XXXX to get my account balance and payment history updated. I have made all of my payments on time. The payments and the loan amount have not made updated with transunion since XXXX. All you get is the run around with no one willing to help. I'm truly hope. XXXX is able to help.

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 2023-11-15 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:
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 and 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 2023-11-15 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: RI

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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: FL

Complaint narrative:
please see attached file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Filed a dispute with Capital One in regards to a transaction that I made and never received the product. Capital One sent a letter stating that the company mailed out the product and that was all the proof they needed to make me pay for the item. I requested proof of me receiving the item. I did not receive a response and I need this transaction removed. I need proof of where this item was mailed to and I need this transaction removed since I have no product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I have tried on several locations to create a payment plan that is affordable for my living situation and my income, and they refused to offer any payment arrangements. They have contacted distant relatives and people not even related to me to try and collect payment. They continue to call and harass relatives, and colleagues not only causing financial strain, but also causing emotional strain in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: CT

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 and 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 explanation
Consumer complaint received 2023-11-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

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 2023-11-15 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: OH

Complaint narrative:
XXXX XX/XX/2023 I viewed my consumer report and noticed that there are several accounts that are not reporting accurately. According to the FCRA all accounts must be verified and 100 % accurate. As a consumer I am protected my congress, I've requested all three disclosures with my writtten consent and signature. U.S.C. 15 1681 ( a ) section ( 4 ) staes " There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumer right to privacy.. Please remove all the accounts listed from all my consumer reports immediatey to prevent future litigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am writing to express my dissatisfaction and concern regarding the recent involuntary closure of my joint checking and savings joint accounts with my husband, which we have held at Bank of America for the past XXXX years. The closure mail I received was on XXXX XXXX, 2023. 

Throughout the duration of our account, I have maintained a responsible and cautious approach to my checking activities, ensuring that I never overdraft and consistently making timely payments, including settling our credit card dues promptly. However, to my surprise and dismay, we received a letter from Bank of America last week, notifying us of the decision to close both our checking and savings accounts. 

This abrupt and involuntary closure has caused significant disruption to our financial management, particularly in handling recurring payments such as utilities and other essential expenses. 
The sudden closure of our accounts has not only inconvenienced us but has also created an unnecessary and avoidable challenge in managing our day-to-day financial commitments. I am writing to formally file a complaint against this decision and to seek a thorough review of the circumstances leading to the closure. I tried to contact bank to see whether is there any identity theft to jeopardize my fund security and the bank refused to disclose anything. 

I kindly request your prompt attention to this matter and a comprehensive investigation into the reasons behind the closure. Additionally, I would appreciate clear and detailed information on any steps that can be taken to rectify this situation and reinstate our accounts. 

Thank you for your immediate attention to this matter. I trust that, upon review, a fair resolution can be reached to address the inconveniences caused by this unexpected account closure.

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