vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: HI

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$21000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
I have disputed space coast credit union multiple times about my credit report in collections for a debt that is not mine. I have requested a debt validation letter and havent received it. Please remove off my credit report asap as its affecting my credit report. This account was opened without my consent. I have notified and sent letters to XXXX, XXXX and XXXX dispute and they keep updating and verified the inaccurate collection of something is not done immediately I will be filing a lawsuit against XXXX XXXX, and XXXX  as this is affecting my credit. I never had a account with space coast.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed XXXX XXXXXXXX XXXX XXXX multiple times about my credit report in collections for a debt that is not mine. I have requested a debt validation letter and havent received it. Please remove off my credit report asap as its affecting my credit report. This account was opened without my consent. I have notified and sent letters to Transunion, XXXX and XXXX dispute and they keep updating and verified the inaccurate collection of something is not done immediately I will be filing a lawsuit against transunion, XXXX, and XXXX as this is affecting my credit. I never had a account with space coast.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed XXXX XXXX XXXX XXXX multiple times about my credit report in collections for a debt that is not mine. I have requested a debt validation letter and havent received it. Please remove off my credit report asap as its affecting my credit report. This account was opened without my consent. I have notified and sent letters to XXXX, XXXX and Experian dispute and they keep updating and verified the inaccurate collection of something is not done immediately I will be filing a lawsuit against XXXX, experian, and XXXX as this is affecting my credit. I never had a account with 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 2024-06-24 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity 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 explanation
Consumer complaint received 2024-06-25 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: MO

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.

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 2024-06-25 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX  correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting XXXX XXXX accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-24 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PNC Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Dear PNC Bank, I am writing to dispute inaccurate information regarding an auto loan that is currently listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), Section XXXX, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. 

The item I am disputing is as follows : - **Account Name/Number** : [ XXXX ] - **Creditor** : PNC Bank - XXXX of XXXX XXXX XXXX Auto Loan Information Upon reviewing my credit report, I found that the above-referenced auto loan account contains incorrect information. Specifically, [ explain the discrepancy, such as incorrect payment history, inaccurate balance, incorrect account status, etc. ] In compliance with the FCRA, I request that you investigate this matter and remove or correct the inaccurate information regarding this auto loan on my credit report. Please complete this investigation within the required XXXX period and provide me with the results of your investigation. 

Additionally, I ask that you notify the creditor of my dispute and ensure that they cease reporting the inaccurate information. Under the FCRA, it is required that all information reported to credit bureaus is accurate and verifiable. 

For your reference, my personal information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your prompt attention to this matter. Please confirm once the correction has been made. If you require any additional information, please contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I purchased my home XXXX  years ago and since then I have never applied for any store cards but I did get quite a few alerts stating that my information was a part of a breach of contract from XXXX XXXX located in New Jersey. This is hindering me with obtaining a student loan for myself and I really would like to get this resolved sooner than later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
According to the IRS an unpaid charge off is income and according to FCRA income can not be reported on a credit report. I am writing to formally request the issuance of IRS Form 1099-C ( Cancellation of Debt ) for the account that have been charged off by your institution. After checking my most recent report the following charge off account below is updating and affecting me mentally and physical. 

WFBNA CARD 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 2024-06-25 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: MD

Complaint narrative:
The consumer applied for a consumer line of credit with XXXX XXXX XXXX of XXXX. XXXX XXXX approved the consumer line of credit ( $ XXXX ) based on her creditworthiness ( XXXX credit score ) at the time. The account was closed in XXXX by the guarantor ( XXXX XXXX ). 

Please remove the trade line ( XXXX XXXX ) from my credit report in its entirety. 

Please review the Trans Union ( credit report ) attached. The creditor updated the consumer credit report, confirming the line of credit was expected to fall of the consumers credit report, XX/XX/XXXX. 

1. Please remove XXXX XXXX account ( credit card ) from my Trans union credit report asap & re-evaluate my credit score & as I am trying to rebuild my credit worthiness ;

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 2024-06-25 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/year> I discovered that my online bill pay account to my husband 's Citi account of {$250.00} was credited to MY Citi account XXXX, giving me a credit balance of {$250.00} and hitting my spouse with a late payment of {$35.00}. It happened again in XX/XX/year>, so I called Citibank customer service with my spouse to rectify the issue. I asked if my balance of {$500.00} could be applied to his credit card balance via a transfer. They said yes. In XXXX, we both received our statements, and I now had a balance of {$1100.00}, and he had another late charge. We called Citibank back. Citibank had refunded ( sent me a {$500.00} check ) and did not transfer any monies to his account. Instead, they charged me {$550.00} for the transfer and {$500.00} for my refund. 
I've called each month since to correct this problem, sometimes on hold as long as XXXX hours. I've been through the customer service department, XXXX XXXX department, supervisors, and client focus customer accounts to no avail. Each time I've spoken with someone, they said, " Oh, I see the problem, '' and no one has known how to fix it. Someone even gave the account credit of {$200.00} for abandoned property, and then the following month, when I mentioned it, they took it away. The account is still showing that I owe $ XXXX of which is overdue, and I receive harassing phone calls XXXX  times per day. This is unacceptable harassment, which takes a considerable amount of my time. Each time I call I am told the call is recorded, so this should all be on record.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The information that is being reported on my credit report is from a fraudulent account. I have sent the information to Experian and also XXXX  XXXX XXXX detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove

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 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/year>, Chase restricted my company 's business account for XXXX XXXX XXXX. I filed a CFPB complaint on XX/XX/XXXX to assist with this matter. Chase assigned XXXX XXXX rep ) from the XXXX office to my file phone number XXXX and XXXX. XXXX has not responded, he has not done due diligence to solve this matter after I provided XXXX different phone numbers for XXXX XXXX bank where my deposits originate. I have made contact with Chase Executive office over XXXX times, each time XXXX is not available after the answered rep contacts XXXX for availability. XX/XX/year> visit to the branch where the account was open in XXXX, TX. XXXX XXXX the rep that assisted, was made aware of the situation and reached out to XXXX. XXXX made time to contact me back after I emailed him a week after the encounter. XXXX did not respond to XXXX from the XXXX branch in XXXX hours. I am now putting Chase on notice that I am seeking damages for the misappropriation of funds since XX/XX/year>. Chase has only initiated contact after I filed a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: CA

Complaint narrative:
An account with XXXX is now more than XXXX XXXX XXXX and despite my many attempts and disputes with all credit bureaus and writing letters about this account, my credit profile remains unchanged and every time it is simply updated. I am sick and tired for not being able to resolve this issue with this reported account. I need this account removed from my credit profile. It is past the statute for debt in the state of 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 2024-06-25 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: GA

Complaint narrative:
I recently discovered that my creditor failed to provide the required 21-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees.

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue.

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the 21-day notice requirement, not my negligence.

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 2024-06-25 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD RCS/XXXX  have been reporting late payment to the credit bureau . In accordance with fair credit reporting act, those creditor has violated my right under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors ayen not treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
I received a loan estimate to refinance my mortgage in XX/XX/year> and received a revised loan estimate today, XX/XX/year>. The loan processor said the XXXX estimate had errors. The XXXX estimate has a monthly payment increase ( she says they left off amounts that she said should have been included ), increased closing cost and less cash out to me, even though the house appraised for more than what was listed on the XXXX estimate. I feel like this is deceptive, and now they are switching things around. I have not closed. 

Estimated monthly payment {$1900.00} XXXX estimate vs. {$2400.00} XXXX estimate. Estimated closing costs {$12000.00} XXXX estimate vs {$18000.00} XXXX estimate Estimated cash to close ( to borrower ) {$89000.00} XXXX estimate vs. {$75000.00} XXXX estimate. Prepaid {$660.00} XXXX estimate vs. {$4700.00} XXXX estimate Initial escrow payment at closing {$0.00} XXXX estimate vs. {$1700.00} XXXX estimate. 

Again, I feel like all the amounts I relied and signed off on to proceed with the loan were all wrong and to my detriment. This is deceptive to get me to proceed with the loan.

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 2024-06-25 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: CA

Complaint narrative:
My phones have been monitored since XXXX  and continue to be monitored. I told all 3 credit reporting agencies to lock my credit for XXXX  years after my recovery from the SEC enforcement act was laundered and two passports were stolen. Experian and XXXX said they would put an extended XXXX  year credit freeze on my credit however Experian keeps refusing to lock my credit for XXXX  years and has been giving my employer access to my credit. I have filed federal and police reports but they refuse to lock my credit or even update my phone number on my account. I cant access my account without them updating my phone number on file. They have refused to sign me up under the data breach settlement several times even though they know they are at fault!

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