vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive submitted multiple credit disputes to have my former XXXX account marked as closed on my credit report. XXXX responded each time by saying the information is correct. 

It is impossible for it to be correct because my credit report reflects XXXX active loan companies. XXXX with a balance of {$140000.00} and XXXX with a balance of XXXX. This information is inaccurate because I only have XXXX active loan with XXXX. The additional {$140000.00} on my credit report gives the appearance that I am in debt with student loans for {$280000.00} which is incorrect. This error is significantly reducing my credit profile and making it difficult for me to get approved for a home mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NY

Complaint narrative:
I recently reviewed all three of my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies, ( XXXX, XXXX, and TransUnion ) need to report all information with complete accuracy, the account has not been late on payment. Ive attached a copy of my credit report to this complaint on the following date ( XXXX ) ( XXXX XXXX and or XX/XX/year> ). Im now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your swift response to this matter and your complete cooperation on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: NY

Complaint narrative:
I recently reviewed all three of my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies, ( XXXX, Equifax, and XXXX ) need to report all information with complete accuracy, the account has not been late on payment. Ive attached a copy of my credit report to this complaint on the following date ( XXXX ) ( XXXX XXXX and or XX/XX/year> ). Im now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your swift response to this matter and your complete cooperation on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Please see the details in my complaint previously submitted as day ago-Complaint # XXXX In the vain of providing full disclosure and transparency I am adding this addendum to the complaint and resolution. Please see below. 

**FOR THIS COMPLAINT MY OLD PHONE NUMBER POPULATED AND I DID NOT CATCH IT. 
The correct phone numbers are-XXXX or VOICEMAIL at 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 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX account on XX/XX/year> a Debt collector named " Portfolio Recovery '' at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX acting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' placed a debt collection on my account for {$460.00}. 

this account is not mine and is inaccurate, not mine, not reporting correctly and is violating multiple FCRA laws including FCRA 's [ 15 U.S.C. 1681s-2 ] section 623 ( a ).

In order for a debt to be on a consumers credit report, that consumer must either have been the account holder or a joint account holder ( also referred to as a co-maker ) and not just a authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: U.S. BANCORP
State: MN

Complaint narrative:
Referencing case # XXXX U.S. Bank denied my fraud claim for account XXXX. I have a court ruling in my favor dated XXXX XXXX with XXXX XXXXXXXX XXXX XXXX. These loans were a direct deposit into U.S. Bank Account XXXX. I am requesting U.S. Bank reconsider and accept my fraud claim for account XXXX due to this recent court ruling. 


XXXX XXXX  XXXX XX/XX/year> XXXXXXXX XXXX  - XXXX Acct - XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX - XXXX Acct 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 2024-06-30 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX, XXXX XXXX # XXXX XXXX, XXXX Enclosed is a copy of a FTC report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses. I do not recognize the aforementioned addresses as reported. The aforementioned addresses appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned addresses are the result of identity theft and 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 2024-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I had a change in insurance for property XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX loan number XXXX. The XXXX company did not renew the insurance due to high-risk areas and I was only given a month to find another carrier. I found a new insurance underwriter and the evidence of insurance was provided to PannyMac. 

The insurance company has added {$160.00} to my escrow account even though I have already paid for the annual insurance fee in advance and proof of payments has been shared with PennyMac. 

I have written multiple emails and I am not getting any plausible response. I have also called their customer service and they transferred me to the insurance dept and made me wait for a long time and have not been helpful. 

As a result of the misdeed and negligence caused by the mortgage company PennyMac, I am filing this formal complaint for a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I RECENTLY OPENED UP A NEW ACCOUNT WITH CITIZENS BANK XX/XX/2024. AND I JUST FOUND OUT SUNDAY XX/XX/XXXX that they closed my account. I HAVE money coming into this account that I need for the week to pay my bills and they are holding the funds in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: PA

Complaint narrative:
My credit report is showing an unauthorized, unverified inquiry. This inquiry has made my credit score decrease, according to the FCRA code 15 U.S code 1602 ( p ), 15 USC 1681 I ( 7 ), this unauthorized inquiry needs to be removed immediately off of my EXPERIAN consumer report. Listed below will be the date and account of the inquiry. EXPERIAN : XXXX XXXX XXXXXXXX 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 2024-06-30 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: PA

Complaint narrative:
My credit report is showing an unauthorized, unverified inquiry. This inquiry has made my credit score decrease, according to the FCRA XXXX XXXX XXXX XXXX XXXX ( p ), XXXX XXXX XXXX XXXX ( XXXX ), this unauthorized inquiry needs to be removed immediately off of my EXPERIAN consumer report. Listed below will be the date and account of the inquiry. EXPERIAN : 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 2024-06-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony walk around and open fraudulent account without investigated to see if it is the right person applying for cards they open a fraudulent account to close the account. Send me a letter to me. I am responsible for the account I have never received or went to purchase anything with this card. I need them to show me the application, they said I apply for this card. Show me the application and it must match all my information on that application.an so call receipt with my signature on it, I need much much. My signature is on all documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: VA

Complaint narrative:
XXXX has different address across the bureau 's file. 
XXXX listed this company 's contact information as XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX listed this company 's contact information as XXXX XXXX XXXX XXXX, PA XXXX XXXX their address are not verified. I was told at the XXXX XXXX XXXX that their XXXX XXXX XXXX is wrong. 
XXXX XXXX XXXX XXXX, FL XXXX XXXXI had 2 different collection agencies contacted me in order to collection the debt meanwhile the debt was still listed as still under 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 2024-06-30 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: VA

Complaint narrative:
XXXX has different address across the bureau 's file. 
XXXX listed this company 's contact information as XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXEquifax listed this company 's contact information as XXXX XXXX XXXX XXXX, PA XXXX XXXXPlus their address are not verified. I was told at the XXXX XXXX XXXX that their XXXX XXXX XXXX is wrong. 
XXXX XXXX XXXX XXXX, FL XXXX XXXXI had XXXX  different collection agencies contacted me in order to collection the debt meanwhile the debt was still listed as still under XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: VA

Complaint narrative:
XXXX has different address across the bureau 's file. 
XXXX listed this company 's contact information as XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX listed this company 's contact information as XXXX XXXX XXXX XXXX, PA XXXX XXXX their address are not verified. I was told at the XXXX XXXX XXXX that their XXXX XXXX XXXX is wrong. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX had 2 different collection agencies contacted me in order to collection the debt meanwhile the debt was still listed as still under 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 2024-06-30 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: NJ

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report. Please delete this items as soon as possible since they are affecting my ability to obtain credit. According to the FCRA section 605B It is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: NJ

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report. Please delete this items as soon as possible since they are affecting my ability to obtain credit. According to the FCRA section 605B It is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: CA

Complaint narrative:
I am writing to report and resolve several inaccuracies on my credit report, which have persisted despite my multiple attempts to address them with the relevant credit companies. Below are the details of each issue, including the steps I have taken to resolve them and the lack of resolution from the companies involved. 

Unauthorized Accounts : 1. XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Amount : {$16000.00} Account Number : Starting with XXXX Action Taken : I contacted XXXX multiple times via phone and submitted written disputes regarding this unauthorized account. Despite my efforts, the account remains on my credit report. 
2. XXXX XXXX : Date Opened : XX/XX/XXXX Amount : {$860.00} Account Number : Starting with XXXX Action Taken : I reached out to XXXX XXXX through phone calls and letters to dispute this account, which I did not authorize. My disputes have not resulted in the removal of this account from my credit report. 

Unauthorized Inquiries : 1. XXXX : Inquiry Date : XX/XX/XXXX Action Taken : I contacted XXXX customer service and submitted a dispute for this unauthorized inquiry. No action has been taken to remove it from my credit report. 
2. XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX Action Taken : I disputed this inquiry directly with XXXX and through the credit bureaus, but it remains on my report. 
3. XXXX XXXX : Inquiry Date : XX/XX/XXXX Action Taken : I contacted XXXXXXXX XXXX and the credit bureaus to dispute this unauthorized inquiry. It has not been removed. 
4. XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX Action Taken : I reached out to XXXX XXXX and filed disputes regarding this unauthorized inquiry. It still appears on my credit report. 

Inaccurate Late Payment : 1. XXXX XXXX XXXX : Late Payment Date : XX/XX/XXXX Action Taken : This account was paid on time, but the payment check was not received by the company. I provided proof of timely payment and contacted both XXXX XXXX and the credit bureaus to correct this error. Despite my efforts, the late payment notation remains on my report. 

Summary of Actions : I have contacted each company involved via phone and in writing multiple times. 
I have submitted disputes through the credit bureaus ( Experian, XXXX, XXXX ) for each issue. 
I have provided supporting documentation where applicable. 

Despite these actions, the unauthorized accounts, inquiries, and the inaccurate late payment remain unresolved on my credit report. I am seeking your assistance to facilitate the removal of these inaccuracies to ensure the accuracy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: FL

Complaint narrative:
I recently reviewed my credit report, and there are fraudulent accounts as well as inquiries that is hindering my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was XXXX  at the time my payment was due and just couldnt bring myself to make the payment online. I am now able to make it but I am disgusted with the company. They have called me 15 times in the last 3 days. Including calling from a phone number that says no caller ID. The card is Victorias Secret issued by community bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX account on XX/XX/year> a Debt collector named " XXXX XXXX '' at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX acting on behalf of Captial One or " 08 CAPITAL ONE N A '' placed a debt collection on my account for {$460.00}. 

this account is not mine and is inaccurate, not mine, not reporting correctly and is violating multiple FCRA laws including FCRA 's [ 15 U.S.C. 1681s-2 ] section 623 ( a ). 

In order for a debt to be on a consumers credit report, that consumer must either have been the account holder or a joint account holder ( also referred to as a co-maker ) and not just a authorized user.

Company response to consumer: Closed with non-monetary relief