vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
PLEASE REMOVE THE INACCURATE ADDRESSES ON MY CREDIT REPORT. MY ONLY CORRECT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Experian with documentation showing the inaccuracies between the 3 bureaus on XXXX XXXX XXXX, XXXX : in XX/XX/XXXX Experian is Showing 30 days late/ XXXX is showing 60 days late/ XXXX  30 days late XXXX On XX/XX/XXXX the dispute was opened and on XX/XX/XXXX, my dispute was UPDATED and completed with no changes even pertaining to the payment history only a change to the balance which was not even part of the dispute in question. This is a blatant inaccuracy and I am entitled under the FCRA a COMPLETE and ACCURATE credit report. If Experian had done a proper investigation which I don't believe that they even did one, they would have seen this. Anyone with eyes can see this. Experian DID NOT do a PROPER INVESTIGATION which is a FCRA violation I have yet to see the results of their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: FL

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 explanation
Consumer complaint received 2024-08-05 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: NV

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries made on my credit report as listed below. These inquiries were conducted without my authorization and have negatively impacted my credit standing. 
XXXX. XXXX XXXX XXXX Reported Date : XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Reported Date : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX Reported Date : XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX Reported Date : XX/XX/XXXX XXXX. XXXX XXXX Reported Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Reported Date : XX/XX/XXXX XXXX. XXXX XXXX Reported Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX & XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: FC HoldCo LLC
State: LA

Complaint narrative:
I am wanting the inquires to be deleted they are unauthorized never told these companies to run my credit its fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: DE

Complaint narrative:
The debt with XXXX XXXX  has been settled and I want this account removed 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 non-monetary relief
Consumer complaint received 2024-08-05 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: DE

Complaint narrative:
The debt with XXXX finance has been settled and I want this account removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: NC

Complaint narrative:
I received a response from the credit reporting agencies indicating that the investigation of these accounts was completed and the items were verified. However, my credit report still contains multiple inaccuracies.

Under 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification, I am entitled to understand the verification process conducted by your agency. I demand a detailed account of every step taken to ensure the accuracy of these disputed items.

Despite the investigations, my credit report continues to reflect discrepancies. I request the immediate removal of these inaccuracies from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In mid XXXX XXXX a savings account with Citi. In XX/XX/XXXX I deposited my first deposit. A check written to me from a company I have done work for for almost 20 years. My account was instantly blocked. After calling the first time, i was told the check was flagged as fraudulent. Ok, so I wait a few days and cal back. Then they tell me my account has been closed and a refund will be issued in 60 days. I received a letter from them dated XX/XX/XXXX shortly after that phone call. All within XXXX weeks of the deposit. The check deposited was for {$1100.00}. More than 60 days had passed so for the last few days I have been calling them. They said they needed to verify the check wasnt fraudulent by talking to the company that wrote the check. They did that. Confirmed it with the gentleman that wrote it. I have kept them in the loop through this process. They have confirmed the check cleared their account with no issues. But they now say no one as made the note on the account. So I still can not get my money. At this point I am ready to get law enforcement involved because they have obtained my property ( money ) under false pretenses ( supposed fraud ) and refuse to give it back. Which is theft. I asked to speak with a supervisor and of course no one was available. Supposed to be on a call back list but that will probably work as good as the check writer calling to confirm the legitimacy of the check. I need help resolving this because they will not follow through with their policy. I have been professional until now and will not be professional with them any longer. They are thieves and will be treated as such.

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 2024-08-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mortgage Research Center, LLC
State: MI

Complaint narrative:
I am writing to formally address an ongoing issue with my mortgage servicer, Veterans United, regarding the adjustment of my escrow account following the approval of a 100 % property tax exemption. 

On XX/XX/year>, I received confirmation from the City of XXXX, Michigan, that my property was granted a 100 % tax exemption. I promptly contacted Veterans United on the same day to notify them of this exemption and was informed by customer service that my escrow account would be updated accordingly within 3-5 business days. 

However, on XX/XX/year>, I followed up with Veterans United and was informed that only a partial exemption was reflected on my account, and the escrow had not been adjusted. Despite the approval of the exemption, I was still required to pay approximately {$490.00} per month in property taxes. I was advised to resend the documents verifying my exemption status, which I did via email. The representative confirmed receipt of the documents. 

On XX/XX/year>, I contacted Veterans United again to confirm the adjustment of my escrow account. I was told that the documents were not on file and that I needed to resend them. I complied, and I was assured that the account would be updated within 3-5 business days. Despite these assurances, no changes were made. 

On XX/XX/year>, after noticing no adjustments, I sent the documents yet again. Today, on XX/XX/year>, I called Veterans United to check on the status of my account. I was informed that no adjustment had been made. The representative facilitated a three-way call with the City of XXXX, during which we were informed that I owe {$0.00} for the tax year 2024. I also received a written statement from the tax assessor in XXXX, MI, confirming that I have no tax obligation for the tax year 2024. 

I am deeply concerned about the repeated miscommunication and failure to update my account accordingly. This issue has caused unnecessary stress and inconvenience. I request an immediate adjustment to my escrow account to reflect the 100 % tax exemption for 2024 and a formal acknowledgment of the error. Additionally, I seek assurance that such issues will not occur in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
There are excessive late payment accounts reported on my credit file. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I did not authorize the addition of certain information to my credit profile. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item 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
Consumer complaint received 2024-08-05 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: DISCOVER BANK
State: TX

Complaint narrative:
There are excessive late payment accounts reported on my credit file. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I did not authorize the addition of certain information to my credit profile. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ATTN : Im requesting that you validate the debt below. 
Account Number XXXX I've received your letter claiming you have validated ( or verified ) the above reference number, but the problem is you didn't provide the documentation that proves I owe you anything. Where is the contract between your company and me? Where is the full accounting because I can't just take your word for it that I owe some company I've never contracted with, some made up number? Where is your license and bond? 
You also haven't proved you have any right to be on my credit report because I know for a fact I've never contracted with you nor consented to you being able to make any communication on my credit reports. You're violating the FDCPA by continuing collection activity and you're violating the FCRA by furnishing information and verifying invalidated information, disputed information, erroneous information, when no access to my credit reports has ever been granted to you. 
Please remove your debt off of my credit reports until you can provide some proof that I actually owe you. You haven't done that yet and, by law, you are to cease collection activity immediately. I reject your hearsay as being validation or verification. I reject the bills you sent as being validation because they are not. I reject any of your claims of validation or verification because you haven't proved anything. 
Act Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
I was tricked by the company Acima into believing I was receiving credit when it was actually a lease. On XX/XX/year>, I purchased a microwave from XXXX XXXX for {$220.00}, but later learned through ACIMS it would cost me {$580.00}. I also purchased a XXXX XXXX from XXXX XXXX for {$950.00} but later learned it would cost me {$2700.00}. I would like any money that I paid returned because I wasn't informed about hidden fees, interest, liability, XXXX fees that I never asked for and I wasn't informed this was a lease but believed it was credit. I was tricked into these high cost agreements. Acima Digital misled me by the nature of these agreements and key terms and false marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: TN

Complaint narrative:
All three of the credit bureaus are reporting different payment history and last reporting date. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThey are reporting also different payment history on each one but has since been updated to paid as agreed XXXX XXXX XXXX XXXX XXXXXXXX each bureaus reporting different account ratings-term length-account type-date opened-payment history XXXX bureau are reporting different payment history- All three of the credit bureaus are reporting different payment history and last reporting date. XXXX XXXX They have two accounts/update to paid as agreed XXXXThey are reporting also different payment history on each one but has since been updated to paid as agreed-update to paid as agreed on account holders account please update on as I am the authorized user XXXX XXXX XXXX XXXX XXXXXXXX each bureaus reporting different account ratings-term length-account type-date opened-payment history-Delete from reports XXXXeach bureau is reporting different payment history-update to paid as agreed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX XXXX. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: IL

Complaint narrative:
I have identified fraudulent accounts on my credit report that need to be removed immediately to correct inaccuracies and restore my credit score. 

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 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 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 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 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 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 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 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 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 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 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 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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/year> I deposited a check into my Chase account. The check was for a little more than {$28000.00}. The check was written out of the estate account of my mother. The check was signed by My Sister who is the executor of the account. Upon depositing my check Chase informed me that my funds would be available on XX/XX/year>. On that date, my funds were frozen. I could not get access to a XXXX. The problem is Chase has an outdated verification system to verify the maker of the check. Their system entails typing in a phone number and if that phone number does not come up with the name of the person who owns the phone number then Chase will not disperse the funds into my account. With that being said, I contacted my phone carrier and had My Sisters phone number Attached to her name. Chase Bank instructed me to do that. 
After I changed the phone number into her name, I was instructed that it could take up to 45 days or more before I could get access to my money. I feel that my rights are being violated. There is no sense of urgency on Chase behalf, this is my My entire life on hold. I am being evicted and my car insurance has lapsed.

Company response to consumer: Closed with explanation