vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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: NJ

Complaint narrative:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
They call me early in the XXXX XXXX XXXX XXXX Several times a day. Threatened to have their lawyer sue me and garnish my wages, take my house, take my car. I have told them to stop calling me until I get proof of debt, bill of sale, purchase agreement or anything on paper that I still owe this debt. They still repeatedly call myself and my husband

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DE

Complaint narrative:
I paid off the mortgage on the property at XXXX XXXX, XXXX XXXX, Delaware in XXXX of XXXX. Carrington Mortgage Services LLC, XXXX XXXX XXXX XXXX California XXXX ( XXXX ), then they sent me the amount I had to pay the Recorder of Deeds in XXXX. Once I paid that, A representative named XXXX contacted my lawyer again and said I owed more money, so I paid that. I never got the deed. I called and asked where the deed was. They said they sent it. I never got it. My lawyer asked for it, they sent it with the wrong name on it. The request was made again and I never got it. I called and informed them how unprofessional this situation was becoming. They then told me they had a memo stating the VA had not completed the paperwork. This was in XXXX of XXXX. So how were they able to send it the first time with the wrong name. My ex husband and I bought the house, He died and Carrington told me I was responsible for the balance of the loan. I paid the loan off, then they said the property was not mine, but his new wife 's. I was the survivor on the contract and I paid it off. He left no will and did not remove my name from the loan. They called me and told me I was on a recorded line and said they sent the deed to the Recorder. The Recorder to this day does not have the deed. They lied to me. I would like to have my Deed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Address and Phone numbers on my credit report are not accurate. 

XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX Never lived at this address. 

Phone Numbers- Have no knowledge of these phone numbers. 
XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-03 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: CT

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate student loans Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet

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 2024-01-03 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: OH

Complaint narrative:
Late payment was placed on credit report my Reporting agency and its an error! Ive made all payment on time to the account and it was paid in full and closed. I dont know how it happen but its incorrect and Id like this account updated XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX to paid on time as agreed never late immediately!

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 2024-01-03 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: NY

Complaint narrative:
We requested proof or verification of debt. Company unable to provide such. 

Per 609 Law, credit error must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED, AND WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED OFF ON XX/XX/2023

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 2024-01-03 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: AZ

Complaint narrative:
I had requested numerous changes but they never happened then I received a message from Equifax stating that my Equifax information was compromised in a data leak.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: NY

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

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 2024-01-03 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: NY

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
So I got this {$50.00} AMEX gift card for XXXX and I have been trying to use it for the past week on multiple stores online, and all of my payments decline! I checked the balanced and sure enough there's {$50.00} in there but it wont let me buy anything. The card is just useless now and I dont have {$50.00} anymore. : (

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax updated my credit report from having a 30-day late XX/XX/2018 on the XXXX XXXX account then removed it 2 years ago for being inaccurate reporting. They then put it back on my credit report as a 30 day late for XX/XX/2018. Now I see they changed it to a 60 day late for XX/XX/2018. This information is inaccurate and keeps changing which is fraudulent on the credit reporting agency and goes against the fair lending act. I demand proof of this 60 day late showing on my credit report for XXXX XXXX. I have never been late on any of my payments and my credit report shows this. I attached my credit report before this was added back on my credit report and you will see my payment history has never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: GA

Complaint narrative:
I just reviewed my credit reports and it shows inaccurate student loans Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
In XX/XX/2023 I had a credit of {$2100.00}, but then in XXXX it was removed, need to know why and no one could tell me. sent me a lot of info but never told me what happened to my credit of {$2100.00}, then they sent me a refund check for XXXX which I will not cash as I still don't know what happened to the difference of {$2100.00} and XXXX. They made the check out to my husband but I am on the account too. As you can see they just took the credit off, I did not spend it, they just took it off, so Chase stole the {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: CT

Complaint narrative:
I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: WI

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID as proof of my Identity.

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 2024-01-03 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: WI

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID as proof of my Identity.

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 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I attempted to open a American Express Business Checking account. I was responding to an offer that was sent to me via social media. American Express put my application into review status and then asked me to submit additional documents. I sent the documents and then received a letter in the mail several days later. I contacted the number on the paper and the agent for American Express told me to apply again. I reapplied on XX/XX/XXXX. I was again asked to submit additional documents, which i submitted within the required time provided in the letter. I received an email on XX/XX/XXXX that says " unfortunately we could not open your account '' I believe American Express is discriminating against me in a retaliatory manner because of previous complaints filed with the FTC and CFPB. I believe that American Express is violating the law by not opening my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a savings account with Truist bank that is basically a dormant account. I noticed in late XXXX that {$2100.00} had been removed without my permission. An unauthorized payment was made to XXXX XXXX in XXXX. I didn't authorize the payment and I don't know what the payment was for. I called Truist and opened an investigation. They denied my claim saying I authorized the payment, which of course, I didn't. In the denial letter, they said I could request the documentation that led to their decision. I called and asked them to send me proof that the payment was authorized by me. I've been waiting for months, and they've sent me nothing. I have to call them once a week asking for the same documentation. They put me on hold for long periods of time, then say they are submitting another request to the analyst for the proof, but of course, nothing happens, so I have to call again. I also called XXXX XXXX and asked if they could tell me what the payment was for or who it was made to, but when I provided them with the reference number from Truist, they the reference number isn't accurate. Basically, Truist stole {$2100.00} from me and they refuse to give it back, or at the very least, provide me with the documentation/proof that led to the denial of my claim.

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 2024-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
My application was denied. I asked for the reason why and the bank said they could not provide any information. I only received a boiler plate notice that said I was denied.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the PDF file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: NJ

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-01-03 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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: AL

Complaint narrative:
I had a background check done and it went back to XXXX and XXXX and I had no idea that those charges was still on my record because they were supposed to been cleared and has of a result I was denied XXXX  for the company that I applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: CT

Complaint narrative:
I recently checked my credit reports and I found out some billing errors that violated the Consumer Law I attached the XXXX  file of my dispute letters that were sent to the involved Bureaus My dispute letters were ignored and nothing happens so far.

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 2024-01-04 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite the passage of time, Equifax has not responded to my dispute. I believe Equifax has an obligation to adhere to federal laws and regulations, specifically the Fair Credit Reporting Act ( FCRA ). 
Below are the details of the inaccurate information and the necessary corrections : XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit limit {$630.00} ) : Please remove this account from my credit report as it is not mine. 


XXXX XXXX Account ( Date Opened XX/XX/XXXX, Balance : {$460.00} ) : I request verification of this account, as the reported balance is inaccurate, and the account is closed and charged-off. Please mark this account as disputed while I resolve the issue with the creditor. Verify Date Opened, Date of Status, and First Reported. 


XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$390.00} ) : Remove this account from my credit report as it does not belong to me. 


XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ) : The reported balance seems higher than what I remember. Please report this account as disputed while I address this discrepancy with the creditor. 


XXXX XXXX XXXX. Account ( Date Opened : XX/XX/XXXX, XXXX : {$610.00} ) : Correct the imprecise information on this account. Remove the past due amount and mark the account as disputed until the corrections are made. 


XXXX XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$14.00} ) : Revise the reported information as the balance and past due amount are inaccurate for a closed and charged-off account. Mark this account as disputed until the necessary corrections are made. 


Account with Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$410.00} ) : Remove this account from my credit report as it is not associated with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from 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