vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: OH

Complaint narrative:
I reviewed my credit report and there is an inaccuracy that is fraudulent on my account. Please remove the account from my report, they are hindering 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 2024-05-02 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate 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 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
I received a phone call from a debt collector asking for payment or I would have to go to court if payment not received. I then checked my credit report and found on XXXX {$600.00} nonpayment on my file. After speaking to an XXXX agent I decided to dispute the charge and placed Fraud alert on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened up a 360 Capital One checking account after the date of XX/XX/year>, after I read that there was a {$250.00} bonus for XXXX transactions over {$500.00}. On XX/XX/XXXX, I received these XXXX {$500.00} transactions, and my checking account has been frozen ever since. I have not received the bonus, even though I met the qualifications, and I have tried calling the company, to no avail. Its a shame they have a non-existent customer service support chat with representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Aspen Properties Group, LLC
State: MA

Complaint narrative:
Foreclosing on a fradulant mortgage. Have original paperwork showing the details of it. This is an old XXXX XXXX proven to be fradulant in court.This mortgage has been cancelled in XXXX. XXXX XXXX XXXX XXXX paid XXXX dollars for this mortgage it was assignes to them in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Benht: Economic Development Corporation
State: CA

Complaint narrative:
I received a loan from XXXX XXXX for {$1500.00}. I did not realize that I was taken advantage of. I feel like this is excessive and predatory. What can I do? I am a senior citizen and these excessive payments are crippling me. 

Balance : XXXX ( XXXX ) payments of {$240.00} for a total of {$4200.00} Paid to Date | Up to Date and In Good Standing XXXX ( XXXX ) payments of {$240.00} ( {$3700.00} Balance Remaining ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and fraudulent activities associated with the following accounts.

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 2024-05-02 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: WI

Complaint narrative:
I always pay on time and never missed a payment.

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 2024-05-02 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: NY

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-05-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX TransUnion The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please delete these accounts immediately. 

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 2024-05-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX TransUnion The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please delete these accounts immediately. 

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 2024-05-02 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: NY

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and fraudulent activities associated with the following accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and fraudulent activities associated with the following accounts.

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 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Lent my friend my extra phone didnt realize I was logged into everything. They added themselves to XXXX XXXX then opened cash app saw my balance and then opened up a XXXX XXXX used XXXXXXXX XXXX to log in and spent all my money to spite me. I got my phone back the next day. Filed a dispute and cash app decided that I authorized the transaction. I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate 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 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: SD

Complaint narrative:
My husband passed away XX/XX/XXXX from XXXX. He and his XXXX XXXX XXXX XXXXXX/XX/XXXX. We tried to refinance the mortgage to get her off of the loan but could not and so we put the house on the market. Their divorce decree stated she got no equity but she refused to sign a quit claim deed. We had to take her to court and a judge ordered her to sign the quit claim deed. My husband died 2 days after signing. I closed on the sale of the home XX/XX/XXXX and the title company sent all necessary paperwork to the mortgage company. They issued the escrow refund to the old address in my husband and his ex wife 's name. I have sent them death certificate, marriage certificate, quit claim deed, affidavit for termination of joint tenancy due to his death as well as proof from our bank that I paid the mortgage for the last XXXX  months. Every time I call I get a different story. I've been told the check has been sent and it has not. I have spoken with numerous supervisors and get nowhere. They refuse to let me speak with anyone in their estate department, who they say are " investigating '' the situation to see if the check can be issued to me. The bank is XXXX XXXX XXXX XXXX out of XXXX, NY. My XXXX XXXX XXXX XXXX has no legal right to this escrow. She has not lived in the home or paid anything on the mortgage since XXXX. A judge ordered her to sign the quit claim and upheld their per se divorce.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PLANET HOME LENDING, LLC
State: MT

Complaint narrative:
Regarding the eligibility, we sent the closing statement from the seller to show they paid the VA funding fee on the assumption to VA but that didnt seem to help, we heard back from VA today, the letter received is attached. It appears the only way to get this resolved will be for Planet to contact VA to make sure they have the information they need. It looks like the assumption agreement may not have been done correctly as it released the liability but did not transfer entitlement to the new owner but Im not completely sure. I dont seem to get anywhere when contacting Planet as they wont talk to me about the loan. My suggestion is to try and contact management at Planet to push them to contact VA to get it resolved.

Resolution notes : This file should be a XXXX not an assumption. This all falls back on planet home lending. They have not filed the correct assumption. They have yet to process the funding fee. I have reached out to them with no response.to this point. We as VA can not move forward until the funding fee has been processed. It might help if your client can try to attempt to reach out to his contact at planet home lending... 

This is the first I have heard that the assumption document was not correct, earlier they said they received information from Planet but now they are saying they have not. 
When they say XXXX that means Substitution of Entitlement, which means the person that assumed your loan replaces your VA entitlement attached to the property with theirs which frees yours up to be used again. It sounds like the assumption should have stated Assumption with Substitution of Entitlement instead of Assumption with Release of Liability. I dont have access to the buyers closing statement to see if they were charged a funding fee which on assumptions the person assuming has to pay a .5 % funding fee unless they are exempt due to a XXXX and I also dont have a way to find out if he was exempt without seeing his certificate of eligibility. We may be able to contact the current owner to see if he will cooperate with trying to get this fixed as he may be able to help contact Planet as well, do you know the person that assumed your loan? 

We have reached out to Planet and the VA has multiple times As a veteran this is crazy to me that i am dealing with this going on 2 years now ... ... they also were reporting the loan against my credit report .... this has made it very difficult for me each time i apply for something i have to show that i have paid it off ... ..PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: TX

Complaint narrative:
Hello, The credit bureau is stating inaccurate information on my student loans which has drastically caused my credit score to decline. The account is stating that I have been 120 days late on my report but I have been in an active forbearance with the servicer. No payments are past due and are at XXXX for payments. These late payments are inaccurate and should be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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:
Hello, The credit bureau is stating inaccurate information on my student loans which has drastically caused my credit score to decline. The account is stating that I have been 120 days late on my report but I have been in an active forbearance with the servicer. No payments are past due and are at XXXX for payments. These late payments are inaccurate and should be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: PA

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I was playing a phone game, " XXXX XXXX '' through XXXX XXXX. They had issued refunds ( my withdrawals of money ) to my XXXX account which is reflective on my XXXX account. My credit card company, XXXX Chase Rewards never received the attached refunds. I have been contacting both Chase and XXXX and they continue to point the finger at each other. XXXX says Chase needs to " approve '' the pending authorization for refunds. Chase says it is automated and they do not see any pending refunds from XXXX. I need help. I have had Chase and XXXX speak to each other XXXX times and am calling them every other day. I do not know where else to turn..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: IL

Complaint narrative:
Under FCRA 605B, it is required to remove any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurately reported. I am owed {$1000.00} for each erroneous reporting on my credit file.

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