vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, 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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.As an informed consumer, I am fully aware of my protected rights. Therefore, I strongly urge you to promptly remove and block the fraudulent, inaccurate, and misleading items that have been erroneously included in my customer reports. Failure to take immediate action in rectifying this matter will leave me with no alternative but to pursue legal recourse against 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 explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
I am trying to rectify the payment issue with my mortgage company, Freedom Mortgage. In 2018 my husband filed bankruptcy, but I did not. He also did not include the mortgage in the bankruptcy when it was filed. For the past 5 years every time I would call I was told that no one could speak to me because the account showed a bankruptcy. Back in XXXX of this year my husband paid the XXXX mortgage and didn't make another payment until XXXX. Around this time we were in the process of switching insurance companies because our current one was no longer writing policies in Louisiana. We found another insurance company, XXXX XXXX and the policy amount was XXXX. Freedom sent a check from my escrow account to XXXX, but I eventually found a cheaper insurance company. Another check was sent to the new company in the amount of XXXX. I received the XXXX back from XXXX XXXX and called Freedom to ask about what I should do with the check. I was told that I needed to mail it back to freedom so they could put those funds back into the escrow account because the account was showing negative XXXX + XXXX the amount for both insurance premium. I sent the XXXX back to Freedom. I called Freedom back to see if they had received the check and that it needed to be applied to the escrow. I was told that even they could not speak to me because of the bankruptcy, even though the bankruptcy wasn't in my name. They applied the XXXX the missing payments and increased my monthly payments from XXXX to XXXX to included the XXXX that the escrow was missing. I called and finally got someone else to talk to me and asked if they could just back date the mortgage payments that were made with the escrow money and I would just make the missing mortgage payments out of pocket. Well, they backed the payments up and reapplied the XXXX to the escrow but my monthly payments didn't decrease back to XXXX. They have the XXXX back in escrow but still charging me for it in my monthly payments. They are getting the money twice and I don't think its right. I am now behind on my mortgage by over XXXX and it shouldn't be that much. Once that put the XXXX back in escrow my payments should have decreased back to XXXX. I am aware that I owe for the months that they backed the XXXX off but my payments shouldn't still be XXXX. I have called and now I can get someone to talk to me because after 5 years they have now figured out that I wasn't the one that filed bankruptcy. I just want to be charged what I actually owed.

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 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OK

Complaint narrative:
This is my XXXX complaint about Chime. They closed my account on XX/XX/XXXX without my consent and with no warning. Chime " says '' a check for {$1100.00}, the remainder of my balance, was mailed to me on XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received that check. I have called Chime many, many, many times. I have emailed them many, many, many times. I've been told that I requested that account to be closed back in XX/XX/XXXX, which I did not. I've been told I requested the account to be closed XX/XX/XXXX, which I did not. I'll they have is tell me that account has a {$0.00} balance offer to me to reactivate that account, which I definitely do not. I just want the money that belongs to me. I have given my information many, many, many times and 55 days later I still do not have my money. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My wallet was lost and was use to purchase fraudulent items that was not done by me. This is a very frustrating moment. And would like a more thorough investigation to be conducted because my card was lost. There was XXXX XXXX transactions in the amounts of {$5100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
They continue to report unverified information on my credit report that is not true nor verified.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX I entered into a group buy for a set of mechanical keyboard keycaps produced by XXXX in XXXX. XXXXXXXX XXXX XXXX were the vendor for this group buy and took payments on behalf of all XXXX buyers. The expected manufacture date due to covid was approximately 8 to 10 months from purchase. It has become apparent that at the same time XXXXXXXX XXXX XXXX unbeknownst to anyone else, was running their business as a Ponzi scheme. They were using funds from group buys meant to pay the manufacturer for the ordered goods on other projects. They have since deleted their website, closed their discord, stopped replying to emails, and have essentially vanished with the funds. I have tried to file a disput with my bank Bank of America but have been told repeatedly that it is outside of their dispute window, which is an appalling short 78 days. As the manufactured date for this purchase, and so many others in general especially with supply chain issues, is so far from the purchase date by the nature of a group buy it would mean that it was essentially impossible to ever request a refund or dispute these charges from the very beginning. Bank of America is refusing to initiate a dispute on my behalf for goods that were paid for but never received. Since I never agreed to any delays I am entitled to a full refund pursuant to https : //www.ftc.gov/business-guidance/resources/business-guide-ftcs-mail-internet-or-telephone-order-merchandise-rule. I would suggest looking here XXXX XXXX XXXX for more information on XXXXXXXX XXXX XXXX and their ongoing issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have filed a dispute with Bank of America and the credit bureaus, I have never had a credit card with bank of America. Also how did a credit card with a XXXX limit end up being over {$6300.00}? This is not my account and was opened and used in id theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to bring to your attention a concerning issue I have been facing with XXXX XXXX XXXX  credit reporting practices. I believe they have inaccurately reported my payment history, resulting in significant damage to my credit profile. 

Over the past few months, XXXXXXXX XXXX  has been reporting my payments as late or not received, even though I have consistently made on-time payments. This erroneous reporting has led them to indicate non-payment for periods of XXXX to 60 days, which is not reflective of my actual payment behavior. 

Due to XXXXXXXX XXXX XXXX incorrect reporting, my credit score has suffered immensely. As a direct consequence of their actions, another credit card servicer has significantly reduced my credit limit. This negative information has caused my credit score to drop by a staggering XXXX points, severely impacting my financial opportunities and peace of mind. 

I have taken the initiative to review my credit report from all major credit bureaus and have identified these inaccuracies specifically attributed to XXXXXXXX XXXX. I have evidence of my consistent, timely payments, including bank statements and payment receipts, which I am willing to provide as proof of my responsible credit behavior. 

I have attempted to contact XXXX XXXX on multiple occasions to rectify this situation, but regrettably, their responses have been unhelpful, leaving me frustrated and concerned about the potential long-term consequences of these inaccuracies. 

I am reaching out to the Consumer Financial Protection Bureau with the hope that you can assist me in addressing this matter promptly and effectively. I kindly request your intervention to investigate the inaccuracies reported by XXXXXXXX XXXX  and ensure they comply with the Fair Credit Reporting Act ( FCRA ) and all other relevant consumer protection laws. 

XXXX is flagrantly disregarding fair practices.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to bring to your attention a concerning issue I have been facing with XXXXXXXX XXXX XXXX credit reporting practices. I believe they have inaccurately reported my payment history, resulting in significant damage to my credit profile. 

Over the past few months, XXXXXXXX XXXX has been reporting my payments as late or not received, even though I have consistently made on-time payments. This erroneous reporting has led them to indicate non-payment for periods of 30 to 60 days, which is not reflective of my actual payment behavior. 

Due to XXXX XXXX XXXX incorrect reporting, my credit score has suffered immensely. As a direct consequence of their actions, another credit card servicer has significantly reduced my credit limit. This negative information has caused my credit score to drop by a staggering XXXX points, severely impacting my financial opportunities and peace of mind. 

I have taken the initiative to review my credit report from all major credit bureaus and have identified these inaccuracies specifically attributed to XXXXXXXX XXXX. I have evidence of my consistent, timely payments, including bank statements and payment receipts, which I am willing to provide as proof of my responsible credit behavior. 

I have attempted to contact XXXXXXXX XXXX on multiple occasions to rectify this situation, but regrettably, their responses have been unhelpful, leaving me frustrated and concerned about the potential long-term consequences of these inaccuracies. 

I am reaching out to the Consumer Financial Protection Bureau with the hope that you can assist me in addressing this matter promptly and effectively. I kindly request your intervention to investigate the inaccuracies reported by XXXXXXXX XXXX and ensure they comply with the Fair Credit Reporting Act ( FCRA ) and all other relevant consumer protection laws. 

XXXX is flagrantly disregarding fair practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to bring to your attention a concerning issue I have been facing with XXXXXXXX XXXX XXXX credit reporting practices. I believe they have inaccurately reported my payment history, resulting in significant damage to my credit profile. 

Over the past few months, XXXXXXXX XXXX has been reporting my payments as late or not received, even though I have consistently made on-time payments. This erroneous reporting has led them to indicate non-payment for periods of 30 to 60 days, which is not reflective of my actual payment behavior. 

Due to XXXXXXXX XXXX XXXX incorrect reporting, my credit score has suffered immensely. As a direct consequence of their actions, another credit card servicer has significantly reduced my credit limit. This negative information has caused my credit score to drop by a staggering XXXX points, severely impacting my financial opportunities and peace of mind. 

I have taken the initiative to review my credit report from all major credit bureaus and have identified these inaccuracies specifically attributed to XXXXXXXX XXXX. I have evidence of my consistent, timely payments, including bank statements and payment receipts, which I am willing to provide as proof of my responsible credit behavior. 

I have attempted to contact XXXX XXXX on multiple occasions to rectify this situation, but regrettably, their responses have been unhelpful, leaving me frustrated and concerned about the potential long-term consequences of these inaccuracies. 

I am reaching out to the Consumer Financial Protection Bureau with the hope that you can assist me in addressing this matter promptly and effectively. I kindly request your intervention to investigate the inaccuracies reported by XXXX XXXX and ensure they comply with the Fair Credit Reporting Act ( FCRA ) and all other relevant consumer protection laws. 

XXXX is flagrantly disregarding fair practices.

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 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
The loan ( SPEC LOAN SV ) is being erroneously reported to the credit bureaus. The loan was not included in the bankruptcy. I contacted the loan servicer and verified this information directly with them. The error seems to have arisen when the loan was transferred to loan servicers.

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