vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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: FL

Complaint narrative:
Experian, XXXX and XXXX failed to provide factual documents about these accounts on my personal account XXXX -Address of XXXX XXXX XXXX XXXX XXXX, NY XXXX Failed to provide factual information about XXXX XXXX account # XXXX -inquiry from XXXX XXXXXXXX when there is no credit card on my file from them Experian -address of XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX FL XXXX -Failed to provide factual information about XXXX account # XXXX -inquiry from XXXXXXXX XXXX XXXX  XX/XX/23 -inquiry from XXXX XX/XX/23

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 2024-05-02 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: FL

Complaint narrative:
XXXX, XXXX and transunion failed to provide factual documents about these accounts on my personal account Transunion -Address of XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Failed to provide factual information about XXXX XXXX account # XXXX -inquiry from XXXX XXXXXXXX when there is no credit card on my file from them XXXX -address of XXXX XXXX XXXX XXXX, FL XXXX XXXX -address of XXXX XXXX XXXX XXXX XXXX FL XXXX -Failed to provide factual information about XXXX account # XXXX -inquiry from XXXX XXXX XXXX XX/XX/year> -inquiry from XXXX XX/XX/year>

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 2024-05-02 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: FL

Complaint narrative:
XXXX, equifax and XXXX failed to provide factual documents about these accounts on my personal account XXXX -Address of XXXX XXXX XXXX XXXX XXXX, NY XXXX Failed to provide factual information about XXXX XXXX account # XXXX -inquiry from XXXX XXXXXXXX when there is no credit card on my file from them XXXX -address of XXXX XXXX XXXX XXXX, FL XXXX Equifax -address of XXXX XXXX XXXX XXXX XXXX FL XXXX -Failed to provide factual information about XXXX account # XXXX -inquiry from XXXX XXXX XXXX  XX/XX/23 -inquiry from XXXX XX/XX/23

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding a dispute with ChexSystems about an inaccurately reported debt from XXXXXXXX XXXX. This account is being reported on my consumer report with an alleged balance of over {$600.00}. I have reason to believe that this account is fraudulent, and I do not recognize or recall authorizing any such account or incurring this debt. Despite my efforts to dispute this through ChexSystems, I am concerned about the verification process and the validity of the information being reported. 

Upon noticing this entry, I immediately reached out to ChexSystems to dispute the accuracy of the reported information, invoking my rights under the Fair Credit Reporting Act ( FCRA ). I requested that ChexSystems provide documentation proving the account 's validity and verify all information provided by XXXX XXXX. As of this communication, I have not received satisfactory proof or a proper response that addresses my concerns about the legitimacy of this debt. 

This situation is distressing as it not only affects my credit score but also poses significant concerns regarding identity theft and data accuracy within consumer reporting agencies.

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 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-05-02 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Violations by XXXX and Adverse Actions XX/XX/XXXX I am writing to bring to your attention a matter of significant concern regarding the actions of XXXX, which have resulted in a violation of my rights and have caused harm for the second time. Despite being in arbitration, XXXX has continued to take adverse actions against me, impacting my financial well-being and reputation. 

It is imperative that my account with XXXX be placed in a " do not collect, do not pay '' status immediately to prevent further harm. I have duly notified XXXX of the ongoing arbitration process as a conscientious consumer, and I strongly believe that these actions are being carried out intentionally to undermine my rights. 

I am deeply troubled by the deliberate nature of these violations, which I perceive as a blatant infringement upon my consumer rights. It is evident that certain individuals are neglecting their responsibilities, leading to these unjust actions. I demand that this situation be rectified promptly. 

As previously communicated, I did not authorize XXXX to report any transactions, including late payments, to my account. XXXX is aware of this breach of my consumer rights, and I expect appropriate actions to be taken to address this issue. Should such violations occur again, I will seek compensation for the damages incurred. 

I trust that you will handle this matter with the seriousness it warrants and take the necessary steps to ensure that my rights are upheld and protected in accordance with the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate 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 2024-05-02 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: IL

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: IL

Complaint narrative:
According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.

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 2024-05-02 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: IL

Complaint narrative:
According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.

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 2024-05-02 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
According to IRS, an unpaid charge off is income. According to theXX/XX/XXXX income can not be reported on a credit report. I have received a XXXX for the accounts listed XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX After checking a copy of my recent report, it appears these accounts are still being reported. 
These accounts can not be reported on my credit report ( according to law ), not even to mention violation of XXXX XXXX XXXX. I demand these accounts to be removed from my credit report immediately.

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 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-05-02 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: GA

Complaint narrative:
It is of utmost importance that you understand the seriousness of this matter. I feel compelled to stress that I am fully dedicated to taking legal measures against your organization. In spite of my continual appeals for you to thoroughly look into and fix the errors that are affecting my personal credit report, your apparent indifference to my demands is extremely troubling. According to regulations, it is obligatory for you to handle and correct any incorrect details that have been brought to your attention. 
Your persistent neglect in addressing this issue is unacceptable. Given the gravity of this situation, I strongly urge you to promptly address the necessary steps to resolve this matter before further actions are pursued. 

XXXX XXXX XXXX - XXXX - They reported an account under my name without a written agreement. A legal contract requires the involvement of both parties and I was not a party to any such agreement. CEASE & DESIST. - There shouldn't be late payment reporting on this account seeing as it's a collection account! This agency is in violation of XXXX XXXX. XXXX. They were to notify me of this in writing XX/XX/XXXX days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, this account must be DELETED from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NC

Complaint narrative:
I RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/2024, NOTIFYING THEM OF THE FRAUDULENT INQUIRIES. I SPOKE WITH REPRESENTATIVES IN THE XXXX XXXX THAT ASSURED ME THIS WOULD BE RESOLVED AND THEY WOULD BE REMOVED. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES THAT I HAVE NOT AUTHORIZED. THESE INQUIRIES HAVE IMPACTED MY CREDIT. 

I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681. 

FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS

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 2024-05-02 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-05-02 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-05-02 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: MS

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NC

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
Fay Servicing is the current company that handles my mortgage. The original mortgage company, XXXX XXXX, modified the loan because of my financial hardship. The loan is now conventional with a fixed APR of 2.75 %. However, the term was increased to XXXX more years on top of the XXXX original term making it an unacceptable XXXX mortgage. Besides that, I noticed that from the beginning of the new monthly payments, the portion that goes to the principal is just {$100.00} on a total payment of {$850.00}, now increasing to {$950.00} in XXXX. On the other hand, most of the payment goes to the escrow account ( over {$500.00}. ) Because of that, I requested to have the escrow account taken off the mortgage and pay the property tax and homeowner 's insurance by myself. 
After many attempts to contact Fay Servicing including emails and secure emails on their portal and finally calling on the phone, my request was disregarded and not allowed. 
I am the mortgagee and holder of a loan that is no longer an FHA loan. As such, I have the right to decide who pays for the property tax and insurance, and to have the escrow removed from the loan. However, Fay Servicing is overcharging me and blatantly depriving me of that right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: AL

Complaint narrative:
On XX/XX/XXXX XXXX lock my account, with my funds inside of account. I asked the to release my funds and remove restrictions from my account. They refused to do so, so I asked them to release my funds and close the account and they refused to do that as well. They proceeded to ask me to verify identity. I did this multiples times with several representatives for XXXX consecutive days. They then asked me to upload banks statements, which I also did, but to no avail. XXXX support, then ask me to provide a bank statement for an account I linked to my XXXX account. I explained to them that would be impossible because I created the account less than a month ago, meaning the bank has yet to generate a bank statement. The other bank statement they asked for I uploaded. They are refusing to release my funds because my bank has not generated a bank statement for my new account that was also linked to XXXX yet. I've loss funds and also missed business opportunities behind XXXX refusing to release my funds. I've accumulated late fees for all my bills, as I have explained to them and yet they still will not release my funds or respond directly to my email. I keep receiving the same computer generated email. I am suffering behind all of this even though I've completely verified my identity. There is no way they can say I haven't verified I am the owner of the account. At this point they are making me slip into debt because of unprofessionalism and lack of care.

Company response to consumer: Closed with explanation