vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation
State: GA

Complaint narrative:
This is not my account. I have asked the credit bureaus as well as the company to send proof of identity and they have sent no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, XXXX take legal action against you.

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 2024-08-21 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
A charge was made on XXXX XXXX in XXXX in the amount of about {$9500.00} When I noticed the charge I reported the fraud transaction to Chase Bank After they investigated I was contacted by the fraud department on or about XX/XX/XXXX that after their investigation that someone on the phone had presented enough information about me that they considered it was me and that I would be held responsible for the charge The charge was added back to my card balance I now owe another {$10000.00} without any product is service for it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-21 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request the removal of a fraudulent inquiry from my Equifax credit report. On my recent credit report, there are several inquiries from " XXXX '' dated XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX which I did not authorize or initiate. These unauthorized inquiries are a result of fraudulent activity, and it is negatively impacting my credit score and overall credit profile. I have never applied for any service or product associated with any of the entities listed above. I kindly request the CFPB to intervene and facilitate the immediate removal of this fraudulent inquiry from my Equifax credit report. Additionally, I urge Equifax to conduct a thorough investigation into this matter and take necessary actions to prevent such incidents in the future. Thank you for your prompt attention to this urgent matter. Sincerely, XXXX XXXX XXXX XXXX Aver XXXX XXXX XXXX, Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I received a letter from XXXX stating : " After careful consideration, we decided to close your accounts because of your association with a XXXX credit card, deposit or investment account that was previously closed. '' I am unaware of ANY credit card, deposit or investment account at XXXX that has been previously closed, other than the XXXX ( XXXX ) referenced within the letter that will be closed in XXXX -- checking, savings, and credit card. 

When requesting information about which account has been previously closed, they refused to provide any information. When requesting information about other accounts at XXXX that XXXX have been opened within my name, they refused to provide that information. Note : I have opened CDs with Chase that have matured and repaid ; I have also gone through the preapproval process with the XXXX Mortgage Department for the potential purchase of a new property ( but have not pursued that further since we haven't yet found the property that we would like to purchase ). 

Based on this, I am concerned for XXXX reasons : ( i ) XXXX ( or more ) account ( XXXX ) were opened under my name without me knowing about it ; and ( ii ) access to my bank accounts is being terminated based on information that XXXX or XXXX not be accurate, but which is not being provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a dispute to TransUnion ( XXXX XXXX XXXX ) for XXXX items ( XXXX Automobile Loans ) on my credit report. I did not open these XXXX Automobile Loans and when the dispute came back from TransUnion, they had said the disputed items were verified as accurate. This is not true, as I did not open these XXXX Automobile Loans. 

After calling TransUnion, they said to report the fraud to Consumer Financial Protection Bureau, and send a cover letter, copy of ID and the CFPB Report Number to TransUnion XXXX XXXX XXXX 

XXXXXXXX XXXX XXXX - Date Opened XX/XX/year> - Responsibility : Individual Account - Loan Type : Automobile - Balance : {$34000.00} - High Balance : {$49000.00} XXXX. XXXX XXXX XXXX XXXX - Date Opened XX/XX/year> - Responsibility : Joint Account - Loan Type : Automobile - Balance : {$46000.00} - High Balance : {$67000.00}

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to no avail to get in touch with a HUMAN BEING at Experian ustomer service. They have designed their automated system ( s ) in a way to where you can not get in touch with a human whatsoever ( please see conplaints from many Experian consumers online ). It doesn't matter which number you call -- no one will answer. I even reached out to their business division and the agent I spoke with this evening gave me a number to what should have been a 24 hout customer service with an option to speak with someone, bt I was again put into a endless game of " press 1, press 2 '' prompts and no options for speaking with a customer service. And even after failed attempts at the automated system identifying my issue, it eventually disconnects my call. It should be illegal for a company that controls people 's credit livelihoods to be able to get away with not having to answer to their consumers, especially when there's incorrect information on their credit profiles. I am currently locked out of my account, unable to sign in, therefore, unable to access my report. Because there is a discrepancy with the data that is on file based on my sign in authentication failing, I need to speak to a HUMAN. I probably will need a seek legal action if no quick remedy from Experiea because I have tried and tried amd Experian has made it very clear that they do not want to speak to customers.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists consists of a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$XXXX}, and a collections account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$XXXX}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX OF XXXX Account Number : 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 2024-08-21 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: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX OF XXXX Account Number : 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 2024-08-21 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX OF XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: MN

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after their investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my XXXX XXXX The inaccuracies are highly injurious to my XXXX XXXX XXXX XXXX XXXX ACCT NUMBER XXXX ( XX/XX/year> XXXX late ) This company has continued to violated my right in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-08-21 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: MN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate Account XXXX : XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
This company has increased my balance to more than the original price. I am not able to make these payments. This company calls me everyday private asking me to make a payment, I dont have for the past XXXX  months. This company has harassed me after filing on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I requested additional time, I am working with a company to do the short sale but there is an auction date coming and I dont know what else to do or who to turn to. I am XXXX XXXX XXXX, have no family or friends left and this company is helping me relocate. the other company I was dealing with had a hard time finding all XXXX mortgages. Please I just need a little more time so I can get this done and they will help me with finding a place to live and move all my stuff. My auction date is XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: Freedom Mortgage Company
State: PA

Complaint narrative:
Ive had my mortgage for over XXXX years. Ive never had a XXXX day late payment with Freedom, I made a payment XX/XX/year>, the remitter was XXXX XXXX XXXX XXXX the payment happened to be returned as a stop payment, It was a XXXX XXXX XXXX XXXX ACH error, I never stopped patment. XXXX took full responsibility for the error, produced the letter for me to submit to Freedom Mortgage along with the credit bureaus explaining the mishap, XXXX was even kind enough to do a conference call to Freedom Mortgage for an escalation solution to no avail. Ive been in contact with Freedom Mortgage in regards to this matter numerous times they refuse to even acknowledge the letter or the phone calls from XXXX, theyre telling g me its not their policy to make corrections theyre not responsible for. Im a small real estate investor and Im at risk of losing my entire business over this matter. I lost XXXX points on my XXXX XXXX and without the proper XXXX XXXX Im unable to finance my small business and get funding, Im at risk of losing everything because of a mishap. 


Freedom Mortgage XXXX XXXX XXXX, XXXX XXXX, FL XXXX United States Lender XXXX ID : 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 2024-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
CUSTOMER OWED ME MONEY FOR SERVICES SENT ME A XXXX. AFTER I RENDERED SERVICES THEY CALL TRUIST  AND SAID THAT THEY DID NOT KNOW ME AND STATED I FRAUD THEIR ACCOUNT ONLY FOR TRUIST  TO RETURNED THEM THEIR MONEY AND CLOSED MY ACCOUNT AFTER 24 YEARS WITH THIS BANK. I SPOKE TO MANY DIFFERENT CUSTOMER SERVICE REP AND XXXX DEPARTMENT THEY CLOSED MY ACCOUNT WITHOUT AN EXPLANATION OR ALLOWING ME TO PROVE THIS PERSON SIGN A CONTRACT WITH ME AND SHE SENT THE XXXX AND I HACE DOCUMENTATION. I HAVE CHECKES OUT ON THAT ACCOUNT AND MISC ITEMS COME OUT OF MY ACCOUNT THIS IS DEVASTING HOW TRUIST CAN CLOSED A ACCOUNT OVER LIES MINE YOU THIS PERSON HAS MY PRODUCTS. PLEASE HELP ME .I DONT WANT THAT ALLEGELY FRAUD STATUS ON MY ACCOUT WHEN I DID NOTHING.

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