vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 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: EQUIFAX, INC.
State: ME

Complaint narrative:
These inquires do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: VA

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 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a report about fraud and id theft, the report is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I summitted a complaint demanding that Experian remove negative information from my credit file using the proper provision 15 usc 6508 opt out law and the privacy act of 1974 and they refused to remove under the law witch is a clear violation. I submitted this complaint on XX/XX/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 2023-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
Carrington failed to post my XXXX payment of {$5000.00} sent via check in mail. Assessed late charge and now will credit report late. The timing of the failure is suspiciously coincidental as there is currently an outstanding request for CFPB investigation for Carrington 's pattern of practice on force placed insurance.

I have over 20+ mortgages over 24 years and have never missed a mortgage payment or lapsed in hazard insurance. Since my mortgage was sold to Carrington, my proof of insurance have mysteriously gone missing ( resulting in very expensive force placed insurance ) and now a payment is missing ( resulting in late fee and derogatory credit report ).

I tried to request credit reporting suppression until this matter is resolved with their customer service. However, Carrington refused. Claiming only way is to send a fax ( my call was recorded, please request from Carrington & listen ) or mail. Why is Carrington offer electronic communications ( such as statements ) when it is cost effective and convenient for Carrington but make dispute submission extremely difficult?

Attached is a copy of letter sent to Carrington for credit dispute for record given the strong track record of Carrington losing customer submissions when it is to the interest of Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have filed a report about my both of my credit cards id theft. Someone stole my identifications and illegally made these accounts. The report is attached.

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 2023-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
Reported Aspire Credit as Fraudulent, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. Aspire could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. XXXX XXXX XXXX now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: FL

Complaint narrative:
This is not my account. I have spoken with XXXX XXXX at nauseam about this yet they have failed to remove the account despite confirming they would do so.

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 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
With reference to my earlier complaint no XXXX, I would like to state the following : 1. I refute the claim that the information regarding promotional offer credit will be reversed was informed to me at the time of closure of my XXXX XXXX XXXX XXXX. Please share records where I was informed regarding the same.

2. My account was closed in XX/XX/2023 and this was reversed in XX/XX/2023. I didnt have any access to see my account as it was closed. Moreover why I would look into the account which is closed and settled.

3. It came to my notice for the first time in XX/XX/2023 when my XXXX XXXX XXXX was suspended. When I enquired then I came to know that there is outstanding in XXXX XXXX XXXX XXXX. I never received any calls from AMEX to inform me about any outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: EQUIFAX, INC.
State: ID

Complaint narrative:
I am writing to file a formal complaint against Equifax Information Services LLC, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX. These three credit reporting agencies have failed to rectify an inaccurate bankruptcy entry on my credit report, despite clear evidence of its inaccuracy and non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Despite my repeated attempts to dispute the inclusion of this bankruptcy on my credit report, Equifax, XXXX, and XXXX have each responded by claiming to have verified the accuracy of the bankruptcy through XXXX. 

However, my extensive research clearly indicates that the bankruptcy in question has not been present on XXXX 's report for several months. As a result, the continued reporting of this bankruptcy on my credit report is both misleading and detrimental to my creditworthiness. 

I have also sent each credit bureau individual dispute letters, citing the FCRA and providing evidence of the bankruptcy 's absence from XXXX 's report. However, they have not taken any appropriate action to investigate or correct the inaccuracy within the required 30-day timeframe. 

This failure to comply with the FCRA has caused significant distress and harm to my financial well-being, as I have been denied access to credit opportunities and subjected to higher interest rates due to this erroneous bankruptcy entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: CA

Complaint narrative:
Account is supposed to show paid charge off as of XX/XX/2022. It was fixed about two months ago, but it came back listing incorrectly as a charge off. This is the third time I'm making a complaint to update the account properly. It's really dinging my credit reports. 

Update accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I paid Bank of America home loans a fee for a property valuation and would like a copy of the 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 monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2023 and XX/XX/2023 I unfroze my credit. 

I sent my Driver 's License and Social Security Card on.XXXX XXXX. 

Equifax has refused to remove an PII so I can qualify for a mortgage with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: AZ

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 non-monetary relief
Consumer complaint received 2023-08-03 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: NC

Complaint narrative:
As I was applying for an apartment my credit report came back with an account I do not recognize

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 2023-08-03 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: NC

Complaint narrative:
As I was applying for an apartment my credit report came back with an account I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: AZ

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

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 2023-08-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently sent a letter to transunion going over what i believe as inaccurate information reporting to my credit report. i have gone on deaf ears to be heard and have constantly been ignored. I sent them a letter on XX/XX/23 and even verified they received but nothing has happened with processing my request

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: AL

Complaint narrative:
Today I applied for new insurance My rate was terrible I called to ask why. They stated as I have enclosed proof that Lexis nexus added that I was at fault for an accident on XXXX I am enclosing the police report showing I am XXXX XXXX and its clear I was at a stop sign and was the victim. It was a 4 way stop and as youll see, I wa sitting still. 
Lexis nexus for XXXX years now, have added this to my insurance report, stating. I was XXXX fault. Costing me thousands and thousands I emailed them the police report immediately. 
Then called XXXXXXXX XXXX  later, she said that XXXX lied and it was never in my report. I told her I bet they were covering their tails after they saw the police report. She literally laughed at me and said it was never there. 
XXXX didnt lie, Im enclosing proof. 
By my calculations for XXXX years now, I have paid an extra XXXX XXXX a month on insurance for an accident that was never even my fault. They just decided to make a buck by reporting this. I have enclosed all documents My daughter and I as youll see on the police report were sitting still, a woman was texting and driving ( and she was arrested for that ) and slammed a truck into us, my back was very badly hurt and Im still hurt XXXX years later and this place has the gall to report false information Now, theyre going to lie and say it isnt there anymore after I called them out, after my email of the police report, they deleted it completely but you can clearly see todays date XXXX from XXXX insurance in the papers I attached where they sent them this information. Doesnt matter if they rushed to cover their tails and deleted it, the damage is done for six months with XXXX and they should have to pay for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had requested my free annual credit report to be sent to me back in XXXX or XX/XX/XXXX. It was not sent to me. Please send ASAP. My name : XXXX XXXX. SSN XXXX DOB : XX/XX/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 2023-08-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Americor Funding, LLC
State: CA

Complaint narrative:
I was told incorrect information from this company who stated that they were a government program & would help me to pay off my debts. They are not a government company. They took all my money I had put into an escrow account & refused to give it back to me when I realized their scam would have me paying not only my debtors but them a huge percentage ( 25 % ) of the TOTAL original amount! They withheld all my accumulated funds I had been sending in over the course of almost 2 years! They however paid themselves over XXXX! and not one debtor got paid XXXX cent! They refused to return any part of my escrow funds to me. Now I still owe my creditors and in addition have paid thousands of dollars to this company as well and for what?? This company promised to help me get out of debt but instead has put me deeper into debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received an email from the postal service on XX/XX/XXXX regarding a delivery fee needing payment to deliver my package. I did not suspect any fraud since I've had to pay this fee online before. 

On XX/XX/XXXX, immediately after seeing this email & paying what I thought was a postal fee, a transaction of {$180.00} hit my bank account ending in XXXX. The merchant in the transaction description says " XXXX XXXX ''. I am a XXXX XXXX XXXX woman & I do not use XXXX XXXX, let alone give out my card info on there. 

On XX/XX/26, Wells Fargo determined this transaction was authorized, & closed my claim # XXXX. When I called & spoke with XXXX at the claims assistance center, he advised me to contact XXXX XXXX. 

I believe my bank should be contacting this merchant instead of myself. They have not given me any details regarding how they confirmed this was authorized. I also doubt that XXXX XXXX themselves as an entity took my money, so their support center is unlikely to know anything of this incident. 

Also, Wells Fargo has always alerted me of suspicious activity, even about legitimate transactions. This incident, a merchant I've never done business with charged me for an unusual amount, & Wells Fargo did not bring this to my attention so I could have the opportunity to report this as 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