vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 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: DC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: OH

Complaint narrative:
This is for an account I had with a previous landlord. XXXX XXXXXXXX XXXX XXXXXXXX Indiana. They have various parent company names. This account was created XXXX of XXXX. I paid the entire account {$2700.00} IN PERSON at the building to the leasing staff on XX/XX/XXXX. With a signature and I have that receipt. Since that date, XXXX XXXXXXXX via collection company Hunter Warfield have continued to call, mail, and email me stating there is an open balance for this account. I also have the receipt for the money orders and tracking information from XXXX XXXX and XXXX regarding the purchase. I sent this information in XXXX of XXXX stating that via service provider XXXX XXXX- XXXX XXXX XXXX that these money orders were all cashed. I dont know what they did with any of it. But they continue to pursue me for a collection I no longer owe. I have tried 3 times to call and resolve via Hunter Warfield and I still can not resolve anything. I have provided dates, receipts, signatures, tracking. As I said I paid in person the balance and still have issues. I will not continue to be harassed over a false debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This past summer I was scammed out of {$14000.00} that was part of a larger ongoing scheme that defrauded me in the past. The people who did this were under indictment in NJ and were out on bail, traveled to Florida and started up their fraudulent schemes. They had a lot of my information so it seemed legitimate. When I got in touch with Chase, the bank that the fraudster deposited my funds into, they refused to actually deal with it. The fraudsters had multiple accounts at Chase and were laundering money through them as they did in NJ. Chase did nothing to stop this, and allowed the deposits with an account number or a signature, making it impossible to track down the fraudsters. The story is briefly outlined below. Chase should have known that this organization was under indictment, and protected me as well as worked with the bank that the money was transferred from to help them track down the fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I requested a loan to purchase a home with in two day 's I was called and told that it had been denied. It states excessive obligations in relation to income. I have a car payment ; I've paid off all credit cards and my credit score as of XX/XX/XXXX is XXXX. 

Navy Federal Credit Union I've dealt with since 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 2023-12-18 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: GA

Complaint narrative:
These companies are reporting inaccurate information. some of the dates and amounts don't match across all credit agencies. They have also violated the privacy act of by furnishing my information without my permission. The fact that my credit reflects my student loan information is also a violation of the XXXX XXXX Rights and Privacy Act ( FERPA ). there should only be one address on my credit report in XXXX, Ga all other addresses should be removed. the rest are NON DELIVERABLE ADDRESSES. There should only be one phone number on the account ending in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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:
These companies are reporting inaccurate information. some of the dates and amounts don't match across all credit agencies. They have also violated the privacy act of by furnishing my information without my permission. The fact that my credit reflects my student loan information is also a violation of the XXXX XXXX Rights and Privacy Act ( FERPA ). there should only be one address on my credit report in XXXX, Ga all other addresses should be removed. the rest are NON DELIVERABLE ADDRESSES. There should only be one phone number on the account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-18 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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received an American Express gift card for XXXX dollars from my employer, but so far I have used it at 4 retailers and all were declined. 

I have called their customer service 3 times and each time they tell me that this is for security purposes and that most retailers accept them. However they can not provide a list of acceptable retailers and I just have to keep trying until one accepts the card. This is unacceptable as I'm unable to use the card at this time at any retailers I've tried, and they just keep telling me to try other vendors and can do nothing for me. 

I have used Amex Gift cards in the past at these retailers ( XXXX, XXXX, XXXX ) and it is only this year that things have changed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 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: ID

Complaint narrative:
Dear CFPB, My name is XXXX XXXX XXXX. I have a hard inquiry on my transunion credit report from XX/XX/XXXX. Its a fraudulent inquiry. I did not authorize this to show up on my credit report and did not apply for a cfna account. On XX/XX/XXXX I called XXXX and spoke to XXXX. XXXX cancled the application and submitted a request to remove the inquiry from my credit reports. After waiting over 3 months, the inquiry is still on my credit report. I have made multiple attempts to dispute this with XXXX and they are refusing to delete this from my credit report.They told me its off of my report and sent me a credit report that shows the inquiry is still on there. Please assist me with getting this hard inquiry removed from my transunion credit report. 

I also have the same XXXX hard inquiry on my equifax report from XX/XX/XXXX. Equifax has promised to remove the inquiry multiple times. They have already confirmed they recieve the request and its still on my credit report. Please assist me with getting this hard inquiry removed from my equifax credit report. 

Best regards, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: NC

Complaint narrative:
I recently reviewed my credit profile and noticed a series of credit inquiries I did not authorize and have no knowledge of. I reached out to Equifax, XXXX, and XXXX via phone when I noticed to alert the companies that somebody has been using my personal information without my permission. I also stated to them that furnishing information to my account that I have no knowledge of and that's also due to identity theft further violated the FCRA and was governed by 15 USC 1681. I seen a huge impact on credit report from these inquiries, and it quite frustrating because I am not the one who has applied or attempted to get a line of credit. The inquiries I noticed are from the following companies : 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 XXXX XXXX XXXX XXXX  I've counted of 30 inquiries on my credit profile that I have not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/2023 I purchased copper water bottles from a company called XXXX. The bottles were expensive for their size but with them being copper I expected that. My bottle doesnt show up for months and when it does it is a stainless steel XXXX XXXX XXXX water bottle not the copper one I had purchased. On or around the same time on social media XXXX became well known as the scam water bottle company that everyone who purchased got the stainless steel cheap version. I did a lot of research found that XXXX changed their domain name often it was XXXX XXXX XXXX XXXX. I knew that it was a sham. I disputed the charge on my Apple Card and sent to them through their chat all the photos and documents to show what I bought what I paid for and what was sent. A no brainer except Goldman Sachs ruled on XXXX side. I have now reopened this dispute for the third time and the biggest problem is Goldman Sachs sends an email asking for me to attach my documents I have done this now three times, I have sent them in chat three times with the guarantee the right department will get my dispute. The email bounced back which makes this process a nightmare. How do you dispute something when the email you are asking for attachments to be sent bounces back?. We are now 6 months in and I want this to be settled. I believe doing it here will allow you to see everything I have sent to rule in my favor! Of course XXXX is long since gone off the net for a while they replaced the water bottles with gold watches until people found out that this person/persons was stealing from hundreds of thousands of people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverificable, invalidated and inaccurate and questiontable items that XXXX XXXX and XXXX did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accuratre on my credit report and Under 15 U.S. code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurarate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverificable, invalidated and inaccurate and questiontable items that XXXX XXXX and XXXX did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accuratre on my credit report and Under 15 U.S. code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurarate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Acrisure Mortgage Partners, LLC
State: FL

Complaint narrative:
We believe we experienced housing discrimination by RMC Home Mortgage LLC due to my XXXX XXXX  XXXX status and XXXX XXXXXXXX. The company required us to provide additional statements and confirmations regarding her pay and return to work, which was set to be on the day after her XXXX XXXXXXXX ended, despite having provided proof of her income and employment. The original closing date was set for XX/XX/XXXX but they refused to approve us for the closing on that date because of XXXX XXXX XXXX XXXXXXXX XXXX from XXXX. They then set the closing date to be on XX/XX/XXXX, the day after my wife is back to work and off her XXXX XXXX. She did mention having to use a company benefit of having one holiday off the calendar year that she hasn't used because of her XXXX XXXX  the XXXX was the only day she could use it before she would lose it. They told me she would have to forfeit her benefits from the company to close on the XXXX which led to them rescheduling the closing to a later date. They then postponed the closing until XX/XX/XXXX, when they said they could confirm with the company that she was literally at work physically doing work. Not only that but they wanted proof of her first pay stub being back to work without the documentation of the requirement at closing and this requirement was made because she was on XXXX even though she had proven to them that she was making what she said and that she was still employed. This cost us additional money to pay for maintaining an interest rate lock extension. This discriminatory treatment was carried out by multiple individuals at RMC Home Mortgage LLXXXX. If the Loan Officer didn't report the others from discrimination then he was a part of allowing it to take place in the first place. He made no mention of this being discrimination outside of in the beginning that he stated the XXXX XXXX and XXXX aren't something they ask about. It became a huge issue to secure the loan within a reasonable timeline. This is also going to cost us thousands of dollars in property tax that I would have been able to get an exemption for had they closed before or on XX/XX/XXXX. They then said that we would only pay property tax as the house isn't completed even though it was signed off completed XX/XX/2022. The loan officer and the XXXX XXXX realtor seem to call each other to come up with ways to postpone closing. A lot of it was done over the phone which I do not have records of. My understanding all calls were possibly monitored and recorded. Also submitted documents through XXXX that I can not access anymore that show the additional information they needed due to my wife being on XXXX XXXXXXXX. They claimed that she could quit her job and not go back to work when the reality is she can't quit at any time regardless of her being on XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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:
My personal information was stolen while I have been XXXX, and a fraud alert was placed on my credit profile. Recently I reviewed my credit profile and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating 15 USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. The accounts included are : XXXX, XXXX XXXX, AND XXXX XXXX 
Again I have no knowledge of the accounts and have waited over 30 Days for a response. This is severely impacting my credit and my opportunity of getting a home

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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:
My personal information was stolen while I have been incarcerated, and a fraud alert was placed on my credit profile. Recently I reviewed my credit profile and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating 15 USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. The accounts included are : XXXX, XXXX XXXX, AND XXXX XXXX 
Again I have no knowledge of the accounts and have waited over 30 Days for a response. This is severely impacting my credit and my opportunity of getting a home

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
I contacted LexisNexis via US Postal mail and Fax. LexisNexis claims its been verified the XXXX  XXXX on my public record as Accurate and True. This is a LIE.

I have a letter directly from the NJ Federal Bankruptcy Court saying they report to NO ONE!!

LexisNexis cant produce evidence that they have been working directly with the NJ Bankruptcy Court regarding my XXXX XXXX inaccuracies.

The public record must be removed per the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
Company failed to submit all original signature documents of the accused debt. This a case fraud And identity theft.

Company response to consumer: Closed with explanation