vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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: GA

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 identity theft, not later than 4 business days after the date of receipt. It has been 4 months and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED I request the immediate removal of this unauthorized entry from my credit report, as it is not associated with me.

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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing my consumer report I saw items that did not belong to me due to being a victim of identity theft. These items are not supposed to be here, I did not permit this person ( s ) to report my consumer report nor did they notify me of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/XXXX we made a significant payment of XXXX lowering our high balance we carried for quite some time. Which finally brought the account to just below 50 % of the Card total being utilized. By XX/XX/XXXX, they submitted a hard inquiry to my Credit report without any warning nor authorization and by XX/XX/XXXX the Maximum balance was lowered by half and The available credit is now XXXX dollars ( NOT XXXX ) .. Our payment was made early. ( Its XXXX XX/XX/XXXX ) leaving our balance XXXX down from XXXXWhich Makes our Net credit usage 90 %. That means I was not credited for the payment of XXXX on my credit report show that there was no change at all to an account already in good standing. Causing me Lose points and keep me in a subprime category which is obviously predatory.

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 2024-05-10 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: IL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Mandarich Law Group, LLP
State: IL

Complaint narrative:
I received waves garnishment notification from my employer for dead I did not accrue I was never served for the court arraignment per Illinois state law I'm not responsible for this debt and I also could have this overturning Court due to not properly being served for the summons. I was advised to go through the FTC or complaint hotline or website first to resolve it rather than going through a whole another litigation process due to fraudulent actions taking place through XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: AZ

Complaint narrative:
I am natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the below be removed because according to the USC1681 : I Have the right to privacy and i did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. Thank you for your attention to detail in 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 explanation
Consumer complaint received 2024-05-10 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: NJ

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-05-10 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: NJ

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I don't understand, Newrez LLC did not cooperate with me in getting California Mortgage relief program state fund, so I sued them in the court ( Please see attached summons and complaints ) Newrez LLC or Newrez were served on XX/XX/2024 ( Please see attached ) Newrez is such an irresponsible Mortgage company, first of all they did not participate in the CA mortgage relief program and on top of that, after suing them, they sent me a foreclosure letter dated XX/XX/2024. 

Please see the foreclosure letter attached. 

This company has no morals and is totally disgusting. 

When I sued them and they are already served, then they can not put my company in foreclosure. 

XXXX XXXX XXXX and XXXX XXXX  has been informed about it. 

Newrez is just harassing me and nothing else

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This is my 2nd Consumer Protection Bureau complaint against Chase for the same matter. I opened a Chase Savings account and funded the account with XXXX for 90 days. I was due {$600.00} XX/XX/XXXX and it is now XX/XX/XXXX without funding. One representative told me I'd be funded XX/XX/XXXX another XX/XX/XXXX and still nothing. Different answers, promises and never happens. Horrible banking experience as usual with Chase

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-10 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A purchase of {$190.00} charged to the card posted on XXXXThe purchase was or a XXXX XXXX XXXX XXXX XXXX  on the XXXX website . The product description was untrue because it said the XXXX could be plugged in to a XXXXXXXX XXXX XXXXXXXX but an electrician I had look at it said it must be hard-wired to the house wiring and would charge {$300.00} for it. The XXXX site said returns were free and when I contacted the 3rd party seller It's easy they wouldn't pay for a return. The XXXX weighs 28 pounds and XXXX said the return would be > {$50.00}. 
I wrote to BMO dispute department twice, first on XX/XX/24 and again on XX/XX/24 as described here. But haven't received any response.

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 2024-05-10 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: LA

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted XXXXXXXX XXXX regarding their reporting of my account accurately. They reported that I was 30 days past due when I was not. I am currently in temporary modification until XX/XX/2024. After XXXX, my regular payments will be {$1600.00}, the temporary modification payment. When reporting that I am late, they say I'm 30 days late and am not behind on {$2100.00}, which is accurate. My original monthly payment is {$2000.00}, not {$2100.00}. I paid my modified payment of {$1600.00}. In XXXX, when I called, they performed a credit dispute, and it fixed the error. I called on XX/XX/2024, with the same issue, and the rep refused to perform a credit dispute and told me to email XXXX, their research team, so they can research it and fix it. I kept getting error messages when I emailed, and my email was not going through. All reps have advised me they are legal to provide information when I say it is inaccurate. Their response is we are legally supposed to report, and I respond with yeah, accurate info, they its accurate when its no. I have attached a copy of the emails that bounced back, the XXXX report showing the inaccurate reporting & showing the accurate monthly payment not in the payment plan. Loan number is 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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. Thank you for your attention to detail in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
A ) On XX/XX/year>, the collection company made a collection under my Experian/TransUnion consumer credit report with the amount due of {$1400.00}. 
B ) On XX/XX/year>, I submitted a dispute with the report number XXXX to XXXX XXXX Credit report and on XXXX XXXX the collection company certified the information to XXXX XXXX requirement of the FCRA XXXX However, the report did not disclose any information in order I could valid/verified the alleged debt. 
C ) On XX/XX/year>, I wrote a letter to the collection company requesting a Debt Validation/Verification request . The letter was sent through USPS Certified mail and until todays date the letter has not been answered by the collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: IN

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: NE

Complaint narrative:
I beg you please remove this from the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: IN

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
An unauthorized caller called to submit a payment for me. Simply by giving my name, year/make of my car and last 4 digits of my phone number the person was given the status of my account, past due balance, amount owed etc. I stated if a person calls from a phone number NOT on the account, the company should require ss # and d.o.b as verification before releasing information. The caller did not know my d.o.b nor last 4 of ss # but was allowed access with year, make and model and last 4 digits of phone number which is basically public information. That should have NEVER been allowed. My right to privacy was violated once my account information was accessed and provided to the caller, but Santander feels verification was acceptable and good with year, make and model and last for of telephone number. My neighbor can verify the account if that is acceptable verification. The verification process is unacceptable and needs to be changed to save people the embarrassment and ridicule of an unauthorized caller obtaining account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: IN

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-10 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: MD

Complaint narrative:
I am writing to urgently follow up on my previous dispute concerning unauthorized hard inquiries that have appeared on my credit report. Despite my repeated attempts to address this issue and seek resolution, I have yet to receive a satisfactory response from your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: AL

Complaint narrative:
My mortgage company is doing something called misapplication reversal to move around payments. I have XXXX payments that they will not tell me where they are or where they went to. I have a suspense account that they are taking funds from and applying my payments late. They will not communicate with me. Each rep I get trys to rush me off the phone and will not tell me anything. Now they are trying to foreclose on my house XX/XX/year> but will not talk to me. They only want me to sign a remodification on my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: CA

Complaint narrative:
MY CREDIT PROFILE IS INNACCURATE WHICH IS NOT FAIR TO ME. PLEASE INVESTIGATE THIS AND FIX IT. IM REALLY SICK AND TIRED OF THESE XXXX. SHOULD THERE BE ANY UPDATE ON MY INQUIRIES, IM GON NA GO TO COURT

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