vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 explanation
Consumer complaint received 2024-11-15 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-15 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 do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-15 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: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-15 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-15 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My home was damaged through flooding during XXXX XXXX on XX/XX/year>. I filed a claim through my flood insurance carrier and they issued me a check made payable to my mortgage company and me, which required the mortgage company, XXXX XXXX XXXX XXXX, endorse the check. XXXX then issued me an advance payment of {$40000.00} to begin mold remediation and repairs. I received that check on XX/XX/year> and because it was Veteran 's Day, and I was not able to make a mobile deposit due to the amount, I deposited it into the ATM at my local branch of the Fifth Third Bank, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I expected that the check would clear through ACH on XXXX XXXX, and indeed it did clear through ACH on XX/XX/XXXX. Nevertheless, funds were not posted to my account on XX/XX/XXXX so I phoned the manager, XXXX XXXX, who advised that : XXXX  XXXX  ' had been placed on the check and that funds would not be available to me until XX/XX/XXXX. I inquired as to the basis for the hold and XXXX told me that the bank had to protect its interests against fraudulent activity, etc, etc, etc. I informed XXXX that the check was obviously from a legitimate company - the same mortgage company that I have been regularly paying through that account for years ; that the check was for Disaster Relief for mold remediation and repairs to my home which had been flooded in end of XXXX- it is not a lottery check nor a check from some fly-by-night entity ; thus funds were desperately needed to pay people and services done and those I need to contract for as I had depleted all other funds from my accounts in the previous XXXX XXXX weeks trying to clean up and get my house cleared out of mold. I asked that the restriction be lifted. XXXX declined to do anything but make me wait. I phoned Fifth Third 'back office ' and spoke with a Supervisor who verified that the check had indeed cleared the ACH on XX/XX/XXXX, and that the restriction and length of time funds are held is discretionary- any hold could be a 3-day hold. Fifth Third Bank 's interests are 'being protected ' by use of Disaster Relief funds as that the bank can make money on the funds at the expense of people who are victims of Disasters, whereas Fifth Third Bank advertises they are there to help in such times. I have been an account holder with Fifth Third, and the bank prior to 5/3, Citizen 's, for almost 30 years with no difficulties occurring on my accounts. Thus, I find this 10-day hold on Disaster Relief funds completely unconscionable and do not understand the bias and discrimination. I do not want others to have to have this treatment when they are suffering and in need.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The company reps do not understand, nor do they care about gross consumer negligence laws. I have called American Express several times and each time they keep me on hold for over XXXX minutes with returning to the line. Also, they are employing deceptive business and unfair lending practices. I am being limited access to credit not based on my credit but based on a random guideline at AMEX. This is not fair lending and an abuse of credit lending power. AMEX hides their deceptive and unfair lending practices behind randomized and bait and switch preset spending limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit card with XXXX XXXX is not being properly updated within the XXXX credit bureaus to display my credit limit increase. Every month this becomes a problem and Im unsure on what end to point the finger.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MS

Complaint narrative:
According to XXXX Transunion XXXX  Transunion is supposed to ensure Maximum possible accuracy this account violates these laws 15 usc 1681 15 usc 1681s2 15 usc 15 usc i5 15 usc 1681eb Delete account 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 2024-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
Cbw/creditfresh invalid information reported information to a third party which was unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: CA

Complaint narrative:
I am writing to file a complaint regarding the Experian 's reporting of inaccurate and incorrect information on my credit report. This misinformation is causing significant harm to my credit score and financial reputation. I have reviewed my credit report thoroughly and can confirm that the reported item in question is inaccurate. As a result, I am requesting that this incorrect entry be deleted immediately to prevent further damage and to ensure my credit report accurately reflects my financial history.

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 2024-11-15 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: FL

Complaint narrative:
My personal credit score is being affected by fraudulent accounts that are reflecting on my credit report such as Creditor ; 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 2024-11-15 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: FL

Complaint narrative:
My personal credit score is being affected by fraudulent accounts that are reflecting on my credit report such as Creditor ; XXXX XXXX XXXX  account number : XXXX, XXXX XXXX Account number ; XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: AL

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the inaccurate and inconsistent reporting of my Self Lender account ( XXXX ) across all three credit bureaus ( XXXX, XXXX, and XXXX ). I paid this account in full on XX/XX/year>, as verified by my payment records and the creditor 's confirmation. Despite this, my credit reports continue to show : Inconsistent Account Status : The account is not uniformly reported as " Paid in Full '' or " Closed '' across all credit bureaus. 
False Late Payments : Late payment entries are inaccurately listed for this account. These entries are demonstrably false, as I have maintained consistent payments in accordance with the account terms. 
Multiple Discrepancies : Inaccuracies in reporting violate the Fair Credit Reporting Act ( FCRA ), which mandates that information furnished to credit reporting agencies must be accurate, complete, and up-to-date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXXXXXX XXXX XXXX, I was charged a " monthly fee '' of {$25.00} even though Chase advertises that you need to have at least $ XXXX in the account for the fee to be waived. I have over $ XXXX in the account and yet Chase refuses to remove the " monthly fee. '' Chase discriminates against minorities by charging these ridiculous fees. Chase is making substantial interest off of MY money and charging me a monthly fee even though I am over the minimum amount to NOT be charged a monthly fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I got email stating credit card would be closed with no explanation or reconsideration. Good standing and responsible use. This damaged my credit though NEVRR past due. Dates at or around late XXXX XXXX  I then closed it myself as did not want a bank closed card on my credit report. Tried several times to find out why. No answer. Though not used a lot, used frequently enough to be open. Didn't lower credit limit. Just said closing. I had a Chase bank account 10 years ago while struggling financially ( for very short time ). To my knowledge I just closed it. It's been 10 years. I did try for answers including speaking to manager at customer service. Nothing. My XXXX  score is XXXX. If not used frequently, I'd expect a lower limit but not closure. No reconsideration either. If there were any issues, I'd expect that to happen during application process not 6 months later with no obvious explanation. Should not have applied, do hard credit check, get approved then randomly closed. I am responsible with credit always. I'd like reconsideration as this is reckless business practices to approve then close. No reason told. I know especially Chase randomly closes cards they deem a risk. But I am not a risk nor have demonstrated risky behavior. Complaining may be a waste of time but I deserve to know why such drastic action was taken. Again, it is inexcusable that a card is approved then closed. That should be addressed upon actual application process. Also inexcusable to not be given a valid reason and no ability for reconsideration. I can apply and be approved for any number of credit cards with my payment history and credit score. I have 100 % payment history, do not exceed 30 % credit utilization ( usually 1 % ), pay as agreed. I cant see a reasonable reason and left without answers. It's been 10 years since I last dealt with Chase. I hear they especially randomly close without reason. Reckless and does not represent my responsible use of credit. Please let me know if there if any recourse

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FB FINANCIAL CORPORATION
State: VA

Complaint narrative:
My mortgage is held by FirstBank. The loan servicing company for this mortgage changed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  On XX/XX/XXXX, I received an escrow account disclosure statement indicating an anticipated escrow shortfall of roughly {$2100.00}, and a monthly mortgage payment increase of about {$500.00}. I had already paid an estimated shortfall of {$870.00} on XX/XX/XXXX. After reviewing the disclosure statement, it appeared to me that a tax payment of roughly {$4200.00} made on XX/XX/XXXX was not taken into account in the escrow calculation. I called the company and spoke with a representative, who essentially read the escrow statement back to me and seemed to be unable/unwilling to understand my concern. I filed an online inquiry and received an acknowledgement on XX/XX/XXXX saying the matter was complex and the company needs more time to resolve it. I have made 2 inquiries since then, and received the same letter back ( XX/XX/XXXX and XX/XX/XXXX ). I continue to pay the extra {$500.00} per month on my mortgage payment and FirstBank/XXXX  have yet to resolve the issue. I would appreciate any help I can get from the CFPB in resolving this issue. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synter Resource Group, LLC.
State: OH

Complaint narrative:
have cleared all balances with XXXX, and they have confirmed that no outstanding balance remains on my account. XXXX is unable to assist further, as they show no balance due. However, the collection company continues to insist that a balance is still owed. When I contacted the collection company, they referred me back to XXXX, and XXXX, in turn, referred me back to the collection company. Neither company has taken responsibility for addressing the issue, leaving me stuck in the middle without a clear resolution. 

There appears to be no effective path to address this collection notice. The collection company has shown complete disregard for resolving the problem, refusing to assist or communicate with XXXX to clarify the matter. Meanwhile, XXXX maintains that there is no balance on my account and nothing left to resolve. 

As a result, I have been left without any resolution. The lack of communication and accountability between these companies has left me stranded, with no way to resolve this issue or dispute the collection notice effectively.

Company response to consumer: Closed with explanation