vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate account listed on my credit report, which is adversely affecting my credit standing. These inaccuracies are misleading and do not accurately represent my creditworthiness. 

As a responsible consumer, I have consistently maintained accurate financial records, and it is imperative that my credit report reflects this accurately. The current inaccuracies not only undermine my financial integrity but also impact my ability to access credit on fair terms.

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 2024-05-13 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:
I checked my consumer report regarding the XXXXXXXX XXXX XXXX today of XX/XX/2024 and noticed a credit reporting agency reported on my credit without my written instruction. I gave them refusal to pay and no written instruction to furnish my credit report using my information. This is the second time after it has already been removed. Nothing is supposed to be on my credit report as the The law states 1692 I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and congress has set certain laws in place I would like to send over a 1099 oid also the form 56 and 1099 oid ab also the 1040 and the 8281 as they are now banned from calling me or faxing me I am also sending them over a true bill under title 15 and they have now violated title 15 as if they are above congress and under title 15 you violate me any further I can sue you as I dont not owe third party debt collectors anything blacks law 4 edition title 1692 as what I thought was loans where actually deposits 15usc 1692 c ( c ) 1692 ( a ) and ( b ) 1692a ( 1-4 ) Please 1692f also states false representation.im also sending a tire bill immediately if this isnt resolved asap. Delete and remove immediately and follow the laws set in place by congress I have sent over a true bill and would like a resolution asap. I shouldnt have to wait to move forward in life do to your negligence. Remove account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
As of XX/XX/XXXX XXXX XXXX XXXX has completed their investigation as a result of proper online disputes. However, after attempting to communicate these same findings to XXXX and XXXX, they have been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 USC chapter 41, subchapter. I 1601 et seq ).

The following are said accounts:XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, {$690.00} Reported Balance, 70 % Credit Utilization, XXXX Late Payments, XXXX XXXX Age of Account ; XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , {$270.00} Reported Balance, 93 % Credit Utilization, XXXX Late Payments, XXXX XXXX Age of Account ; XXXX ) XXXX XXXX XXXX XXXX, {$230.00} Reported Balance, 79 % Credit Utilization, XXXX Late Payments, XXXX XXXX Age of Account. I have also disputed with Experian and XXXX the inaccuracy of my personal identification information being reported, after requesting for these to be removed.

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 2024-05-13 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: Experian Information Solutions Inc.
State: IL

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 obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: CA

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have settled with cendence as agreed by XXXX  parties. 
I have paid off XXXX XXXX XXXX as agreed by XXXX  parties. 
I have paid XXXX loan as agreed by XXXX  parties. 
I have paid XXXX XXXX in full as agreed. You are reporting these account 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 explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Urgent Assistance Needed : Unexplained Block on Bank Account To whom this may concern, I hope this message finds you well. I am reaching out to you today with a sense of urgency regarding the block on my bank account. 

For over 30 days now, my account has been inexplicably blocked, and despite numerous attempts to seek assistance, I have been met with frustrating obstacles and no resolution in sight. I have made over 20 calls to your customer service line, only to be told repeatedly to wait for a letter that never arrives. 

While I continue to receive statements, cards, and even some checks that I did not order, the crucial letter explaining the reason for the block is conspicuously absent. Today, I spoke with a member of your team who admitted that she could not identify any issues with my account. Yet, the block persists, preventing me from accessing my hard-earned money and fulfilling my financial obligations. 

As a working individual with bills to pay, this situation has caused immense stress and hardship. Each call to your customer service line entails waiting on hold for at least an hour, further exacerbating the frustration and inconvenience I am experiencing. I did speak with someone with their XXXX unit at XXXX and was given this case number XXXX. 

I implore you to please take immediate action to rectify this situation and provide me with clarity on why my account has been blocked. I rely on these funds to meet my financial responsibilities, and the continued blockage is untenable. 

Your prompt attention to this matter and swift resolution would be greatly appreciated. Please do not hesitate to contact me at XXXX to discuss this further or provide any necessary information. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: DE

Complaint narrative:
upon checking my report on XXXX, there is a social security number of # XXXX which does not belong to me. There are also addresses, accounts and 24 inquiries which are not mines.I have notified the Credit Bureaus about this issue on several occasions. I would like to have this social security number and all associated activities removed immediately. I have sent copies of my social security card, drivers licence and FTC reports to Equifax. I have also sent over my Social Security card and ID via a link which was sent from Equifax while on the same call to verify my identification. 
The representative told me that i had to mail the documents for a 3rd time. They are not willing to assist me, Upon requesting to speak to an supervisor, I was told that was not possible until the documents are sent again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-05-13 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: FL

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-05-13 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: NE

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.

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 2024-05-13 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: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: TX

Complaint narrative:
Despite verified proof of total payoff of my loan account & verified release of title to me ( verified via my XXXX XXXX account ) recently I received a notice that XXXX XXXX has listed my account as " delinquent status '' with credit reporting agencies despite being paid off in full, irreparably damaging my credit history. This mistake has caused serious pain and psychological damage and demands financial relief. XXXX has yet to respond to my repeated requests to fix this and this fraud must be addressed and I need to be made whole given the grievous negative affects on my credit score as I am house searching. XXXX internal request 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 2024-05-13 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: TX

Complaint narrative:
Despite verified proof of total payoff of my loan account & verified release of title to me ( verified via my XXXX XXXX account ) recently I received a notice that XXXX XXXX has listed my account as " delinquent status '' with credit reporting agencies despite being paid off in full, irreparably damaging my credit history. This mistake has caused serious pain and psychological damage and demands financial relief. XXXX has yet to respond to my repeated requests to fix this and this fraud must be addressed and I need to be made whole given the grievous negative affects on my credit score as I am house searching. XXXX internal request 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 2024-05-13 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: AZ

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.

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 2024-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had filed a previous complaint with this agency about Bank of America. XXXX. The account had been placed into a Deposit only status and no funds could be withdrawn. The bank called me the day after the complaint was filed and told me they would give me information within 60 days. 
Today I checked on my accounts on the company app and noticed this account was missing from the list along with the funds. I called the bank and the representative could only tell me that the account was closed due to a " court order '' and the funds would be moved to whichever court ordered it closed. 
To my knowledge and belief no such court order exists and the money is now just gone. I had been trying to move this money out of this account and into my son 's ABLE account for months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In 2022 I purchased a couch from XXXX XXXX. I paid off that account. However there are TWO XXXX XXXX accounts on my credit report both dated 2022. One is paid off and the other is listed as " charged off '' with an account ending in XXXX. 

Last year I tried to dispute the " charged off '' account and thought it was resolved because it no longer pulls on my creditkarma report. 

However, a softpull was run because I'm trying to buy a home and it is STILL showing as a charge off. 

This account doesn't exist but yet it remains on my credit report! The phone number on the credit report ( XXXX ) XXXX doesn't even work! 

To date I have gone into XXXX XXXX and contacted the following numbers. Nobody can find this account. It doesn't exist Please remove from my credit report so I can buy a home Or tell me how to pay it!! 

( 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 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: KY

Complaint narrative:
On XX/XX/2024 I received an alert that a company that sponsors Milestone Mastercard ran my credit to issue a card. I immediately called the company to let them know it was fraud and they said they would investigate. No help at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
A check for over {$11000.00} was stolen and mobile deposited into the account of a BECU member. The check was not written to the woman, nor was it endorsed to her, nor did she have permission to deposit it. I was made aware and immediately contacted BECU to inform them. I was told over the phone that BECU policy does not allow 3rd party checks and that the check would be kicked back. The bank allowed the woman to keep the check anyways despite the fact that it was stolen and against its policy. BECU is also refusing to further investigate the issue and I am out the XXXX. 

I have filed a poilice report, and signed an affidavit of forgery. One of the managers I spoke with at BECU stated I should sue BECU also for its wrong doing and failure to follow its policy and procedures in place to avoid these types of situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/2024 I received a letter regarding denial of my application for modification from Select Portfolio Services , Inc. On XX/XX/2024 I requested again to be considered for other relief programs and stop the foreclosure ( date XX/XX/2024 ). I have submitted all requested documents such as taxes, incomes, bank accounts with my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Our Mortgage company was originally XXXX XXXX, it was transferred to XXXX XXXX  and recently CARRINGTON Mortgage Services. Our payments have been {$1600.00} for months. As of XX/XX/XXXX they skyrocked to {$1900.00}. When I called they informed me that the Homeowners Insurance went up to {$800.00} - it is and after sending them a copy of the documents page ( 2X ) it is {$700.00} and expires on XXXX XXXX. We also have 3 documents indicating that we should NOT be paying any property taxes - one for our Homestead another for a VA Discount ( husband is a XXXX Veteran ) and The Tax Deferred Affidavit for people over XXXX and XXXX ( Effective XX/XX/XXXX. ) I have mailed all of the above documents not less than 3 times, the last time along with our XX/XX/XXXX mortgage and a {$99.00} check which they insisted we pay towards the Homeowner Insurance. 

They continue to Bill us the incorrect amount for Insurance and also continue to Bill us for Property Taxes. We have made ALL of our payments ON time - before the date they consider " Past-Due- ( XXXX of each month ) They are withholding our payments aside and show them as " Unapplied Funds for Sweeping '' ( what ever that means ) and now they have contacted the Credit Bureau and reported us as " Delinquent ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Loan not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was reviewing my consumer report and noticed some inquiries that does not belong 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 non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have paid this Auto loan in full as agreed. This account was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.

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