vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 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:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX if 2024, my card was stolen by a merchant in XXXX XXXX at a gas station. I noticed multiple unauthorized transactions on my account for goods and services I did not purchase, mostly beginning with the code XXXX XXXX. I called my banking institution to have the card canceled and replaced and reported all of the charges as fraudulent. Two separate claims were made on my behalf. One of those claims was approved and the other was denied inaccurately. I attempted to rectify the problem with the bank directly, but they continued to provide the same generic response that the charges were determined to be valid based on their investigation. The charges are not valid as I did not present my card for those transactions nor do I have any of the goods or services in my possession. After multiple attempts to rectify the situation with the bank, I researched the situation online and found that my specific issue was not unique but has been occurring to multiple customers of different banks, some of whom have never lost possession of their physical card. Instead it was cloned by a machine. The bank did not take this information into account when determining the legitimacy of my claim. I attempted to go through a different department called card dispute, but was never directed to this department, which is the likely reason my claim is still denied. This is frustrating for customers who lose their hard earned money and receive no assistance from their banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello! There is erroneous information being reported on my credit which is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my new credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

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 2024-09-10 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: TX

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Amex Error and Request for Fair Compensation To Whom It May Concern, I am writing to express my severe dissatisfaction with American Expresss handling of a technical error that has led to unauthorized charges, card restrictions, and significant emotional and financial distress, severely impacting my professional and personal life. On XX/XX/year>, XXXX payments were withdrawn from my accountone that I made intentionally and another that occurred due to a technical error on Amexs end. I am now facing hardship due to this error, which has caused a cascade of issues. 

When I reached out to customer service, I was assured that the second charge would fall off as it was a technical glitch. However, on XX/XX/year>, my cards were unexpectedly declined. Upon contacting customer service on XX/XX/year>, I was informed that my cards were restricted due to a returned paymenta direct consequence of Amexs error, not my actions. 

Throughout this ordeal, I received conflicting information from various customer service representatives, none of whom offered a consistent or helpful resolution. I was compelled to make an additional {$100.00} payment from another account to lift the restrictions, only to be told afterward that a refund would only be considered if the payment was made from a specific checking accountinformation that was never initially disclosed. Furthermore, I was informed of another reattempted charge on XX/XX/XXXX that could not be canceled by Amex, leaving me to deal with my bank and incur additional costs. 

This entire situation has been extraordinarily distressing. I was unable to concentrate on my work, found myself overwhelmed with frustration, and was brought to tears by the lack of support from Amex. The emotional toll, combined with the financial strain, has been immense. 

Given the profound impact on my well-being and professional responsibilities, I am seeking substantial and fair compensation from American Express to address the emotional and financial hardship this ordeal has caused me. The extent of the distress and disruption warrants a considerable settlement, reflecting the severity of the error and its consequences. 

I urge Amex to take this matter seriously and provide an appropriate resolution, including a full refund of the {$100.00} paid due to this error and immediate action to prevent any further unauthorized transactions. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
To whom it may concern, I am writing to dispute certain inaccurate information appearing on my credit report maintained by your bureau. Upon viewing my credit report, I noticed discrepancies in the account section, which I believe is inaccurate. 

Below are the accounts that need to be reviewed and potentially removed or corrected from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I certify that the information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above promptly remove or correct any inaccurate information from my credit report. Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to ani one who received my credit report in the past 6 months. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This CFPB complaint has been filed pursuant to FC Subsection 605b ( 15 USC 1681c-2 ), that XXXX, XXXX, and/or TransUnion block the information appearing on my consumer credit report that is the result of identity theft and fraud within four business days. The fraudulent accounts in the FTC report ( XXXX ) consist of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FTC Report number is XXXX. Accounts are listed directly from report stemming from investigations beginning in XX/XX/year>. Please update immediately and in accordance with the aforementioned statutorily mandated 4 day period. Additional accounts and related inquiries that not be present in the report, but not limited to, are : 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 2024-09-10 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: OH

Complaint narrative:
This CFPB complaint has been filed pursuant to FC Subsection 605b ( 15 USC 1681c-2 ), that XXXX, Experian, and/or XXXX block the information appearing on my consumer credit report that is the result of identity theft and fraud within four business days. The fraudulent accounts in the FTC report ( XXXX ) consist of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FTC Report number is XXXX. Accounts are listed directly from report stemming from investigations beginning in XX/XX/year>. Please update immediately and in accordance with the aforementioned statutorily mandated 4 day period. Additional accounts and related inquiries that not be present in the report, but not limited to, are : 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 2024-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX I opened the dispute for the charge of {$64.00} showing in the credit card under XXXX XXXX. The order that I placed on XX/XX/XXXX with XXXX  for XXXX wind chimes was never delivered to me so I requested to cancel the order and asked for the reimbursement. 
The moment I opened the dispute, I was asked by XXXX to cancel the dispute to have my money returned by the seller. As requested, I cancelled the dispute on XX/XX/XXXX. Until today, I have not received the money which the company itself admitted in the e-mail of XX/XX/XXXX however on XX/XX/XXXX the seller submitted the statement to Discover that the money was returned. Based on the blank statement not supported by any documentation of such action the bank declined to reopen the dispute when I called on XX/XX/XXXX and requested me to submit additional documentation supporting my claim of unresolved dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. These are the inquiries with the name and date attached to them, that was fraudulently made to my personal credit. I have sent in proof to the credit bureaus but they refused to have these removed. They a breaking the credit law. Please have this resolved with the credit bureaus immediately and have them have these inquiries removed immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM A VICTIM OF IDENTITY THEFT THE ACCOUNTS LISTED BELOW ARE NOT ANY COMPANIES THAT I HAVE APPLIED FOR CREDIT FROM. THEY ARE ALL ACCOUNTS OPENED WITHOUT MY KNOWLEDGE OR PERMISSION. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED IMMEDIATELY. I HAVE FILED THE PROPER DOCUMENTS WITH MY LOCAL LAW ENFORCEMENT AGENCY AS WELL AS THE FTC. I AM PROVIDING YOU COPIES OF THESE ITEMS TO SUPPORT MY CASE. SO WITH ALL THAT I HAVE MENTIONED, AND THE SUPPORTING DOCUMENTS, YOU MUST FOLLOW THE LAW AND REMOVE THESE ITEMS.

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 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I have XXXX accounts reported as delinquent from XXXX XXXX  on Chex systems the account has been reported as closed on XX/XX/XXXX For both accounts So after speaking with Chex systems I was informed that these accounts will fall off from Chex systems on XX/XX/XXXX since it was date reported as closed on their end and their policy states that account reported stays on file for 5 years from DATE REPORTED But according to FCRA statute of limitations For removal of negative information starts from the DATE THE ACCOUNT FIRST BECAME DELIQUENT And this account went delinquent 3 months which is 90 days prior it was closed and/or reported So Chex systems is in violation of FCRA and consumer rights and this practice is unfair and going on for years and its about the time to hold them accountable Id request them to either update the information or delete from my life because as a consumer Im entitled to incorrect information to be deleted from my account I have attached information from FCRA so Chex systems can refer to 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 2024-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
I have repeatedly asked them to look over the records for the escrow from XX/XX/XXXX until now. They argue the partial payments that add up to full payments ( that they keep texting me to make weekly payments, by the way ) are messing with their system. However, it's all electronic, meaning they should be able to tell me where my extra escrow payments went. Instead, they continuously refuse to run the audit. From XX/XX/XXXX until XX/XX/XXXX, the extra escrow payment was {$340.00}. The payments were made in full that entire time. So the argument that partial payments were made is invalid. From XX/XX/XXXX until XX/XX/XXXX, the extra payments were {$280.00} a month due to increase in taxes. In XX/XX/XXXX, I started making the partial payments which added up to more than my actual payment on literally every occasion, but the extra payment still was XXXX a month. I have asked you to look into this on the phone, in writing, via CFPB. Your company has refused. If you looked into this, everything would be rectified, but you haven't. I have asked for an audit, which, again, by law, you are required to do and you still have refused. All you provided me was from this year and what you took from my escrow, instead of finding out where my extra payments went. Please fix this, as you are not allowed, again, by law, any action on payments in dispute. I paid the principal and interest, but the escrow needs to be fixed. I have and will continue to ask until you fix it. And this will continue as long as I can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX  ). Account ( XXXXXXXX XXXX ). Account ( XXXXXXXX XXXX XXXX XXXX  ). Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation