vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: William D. Meeker Enterprises, Inc.
State: MS

Complaint narrative:
I received and unauthorized inquiry on my credit report from CIC Credit XX/XX/XXXX and XX/XX/XXXX and I immediately disputed the inquiry with CIC Credit by filing a report. Over a year past and I never received a phone call or email. I decided to call them back on XX/XX/XXXX to dispute this inquiry again and I was told by a representative XXXX XXXX that the person that take my information for the report was no longer there so I would have to make another report. I have enclosed a copy of the report made made XX/XX/XXXX which I never received any feedback.So a year past with this inquiry on my report because of CICs error of filing my report. 

I was later told that the end users made the inquiry and that I authorized it, which I did not authorize a credit pull. The document that was sent to me by CIC Credit has no signatures or initials of my authorization, which I did not give anyone written or verbal permission to pull my credit. CIC was unable to provide valid documentation of verbal or signature authorization of any credit inquiries. 
I explained to CIC Credit that the company told me that it was a soft pull only as stated in an email and that it would not hurt my score. CIC Credit still hold firm to not remove it as I was told by rep XXXX XXXX stated regardless of the evidence I provided to them and I have enclosed in the letter. 

Please remove all inquiries from CIC Credit from my credit report as I have provided adequate documentation to CIC Credit regarding this unauthorized inquiry. They were not able to provide sufficient evidence of documentation from me neither signed or verbal to authorize this inquiry. Therefore this inquiry is in total violation of FTC laws and guidelines. 

I have enclosed documents related to this matter. 


I am requesting that the following inaccurate items be immediately investigated. 
Please delete this misleading information in order to show my true credit history. 
By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

Also, pursuant to USC s1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the address below. According to the provisions of 15 USC section 1681j, there should be no charge for this notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-06-25 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: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Hello, My name is XXXX XXXX and I am filing a complaint on Carrington Mortgage. 
XX/XX/XXXX. I called the insurance agency to get hail and windstorm information for the roof claim. I was told by XXXX from the XXXX insurance agency that I use, that I don't have hail/windstorm insurance since XX/XX/XXXX. She stated that XXXX sent Carrington Mortgage multiple requests for payment that was not sent. 
I called Carrington Mortgage and initially spoke with XXXX who told me I had insurance. She stated that she would investigate more to see why my agent said I didn't have insurance. She later found that the statements did show I had insurance but no check was ever sent. She connected me to a supervisor and claimed I needed a quick issue so I could make a claim. This was a back-and-forth issue with the company that was without progress. After repeated calls and speaking with multiple representatives and supervisors, I then spoke with XXXX who got XXXX to complete a quick issue so I could claim my roof. XXXX stated that I would be receiving an email with a waiver form so I could start the claim process. I never received the email. I called again on XX/XX/XXXX for more insight and to let them know I did not receive the form. I spoke with XXXX ( XXXX ) who stated that the insurance process center received the email for the quick issue. However, no one could tell me how this issue happened or how it would be resolved. Carrington Mortgage did not pay my wind and hail insurance premium but in their records, it showed that I had insurance. They did not contact me for anything and now I have a roof with damage that needs to be taken care of. The mortgage company 's neglect of paying for my premium when they were supposed to pay it has put me in a horrible predicament. I need this to be resolved and someone to be held accountable for dropping the ball. Carrington is being neglectful on their part. This looks like fraud and possibly theft of my funds I have attached forms showing XXXX 's request for payment and an Escrow statement acknowledging I have coverage in their records

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: FL

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-06-25 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: FL

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: TX

Complaint narrative:
Ive started out with a positive payment history with Uprova, but struggled in keeping up with my other bills ( Rent ; Utilites ; Etc ). I contracted XXXX a in various spots of a three-four year period and had to take out loans to cover expenses. One thing led to another, and I can no longer keep up with my payments.

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 2024-06-25 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: FL

Complaint narrative:
I am writing to request that the following inquiries are removed from my credit report, as I did no authorize them, and they are harming my ability to obtain new credit. 

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-06-25 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: NY

Complaint narrative:
I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. this account [ XXXX ] has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

l am now requesting you Investigable and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.

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 2024-06-25 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: NY

Complaint narrative:
I recently received my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on lime. The consumer reporting agencies need to report all information with complete accuracy. this account [ XXXX ] has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. 

l am now requesting you Investigable and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. I thank you in advance for your understanding and prompt attention I trust you will give this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to urgently follow up on my previous dispute regarding the negative accounts listed on my credit report. As of today, I have not received a resolution, and the inaccuracies persist, adversely impacting my credit score and financial standing.

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 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I contacted transunion about a debt collection that was added to my credit report and filed a dispute but I feel that nothing has been done, I let them know that I have a active fraud alert on file with transunion and current FTC identity theft report and had provided all paperwork requested to them but they have l done nothing to resolve this issue, I made them aware that I have never lived outside the state of West Virginia and that I recently moved from XXXX West Virginia to XXXX West Virginia and that I have never lived in the state of Texas and I provided bills and bank statements to show my address at the time this account was opened in Texas and that I have never authorized anyone to open an account in my name

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 2024-06-25 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: AZ

Complaint narrative:
I need three inquiries removed off of my personal name, which is my credit report, because I did not authorize them Trans Union is reporting in accurate information. This is illegal under the American federal law. I will like these 3 inquiries removed immediately or I will take legal action XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-06-25 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: IL

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: MN

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I have requested to remove negative reports on my credit score due to the satisfaction of the debt that was owed. Payments have been paid and this creditor continues to report negative on my credit report. I have asked to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
I am writing to urgently follow up on my previous dispute regarding the negative accounts listed on my credit report. As of today, I have not received a resolution, and the inaccuracies persist, adversely impacting my credit score and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to urgently follow up on my previous dispute regarding the negative accounts listed on my credit report. As of today, I have not received a resolution, and the inaccuracies persist, adversely impacting my credit score and financial standing.

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 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I booked a 3-night hotel stay on XXXX in XXXX, Texas. However, I advised hotel staff upon check-in that I would not be staying beyond the first night due to a death in the family. The hotel advised me to contact XXXX, where I purchased the hotel stay. I did so and was advised by the telephone agent at XXXX that " it's up to the hotel '' as to whether the funds would be returned. I subsequently filed a dispute with Chase Bank, NA, for the unused portion of the hotel stay ( 2 nights - {$160.00} ), including corroborating documentation. Chase Bank, NA advised me XX/XX/year> that they were going to charge my Chase account for that amount and that XXXX informed them in writing that unused hotel nights are non-refundable -- contradictory to what the XXXX agent told me by phone. I spoke with an employee and then a supervisor at Chase Bank on XX/XX/year>, and they confirmed that XXXX XXXX XXXX calls from customers for customer service purposes but that Chase " was not going to go through all of that '' when I requested Chase to obtain a copy of the recorded call I made to XXXX. Now because my financial institution will not take the time to obtain audio recordings of my interaction with XXXX 's agent, I am now being charged for two hotel nights, which I did not use due to a death in the family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: MS

Complaint narrative:
I have sent multiple dispute letters regarding inaccurate information on my credit report, but the results remain unchanged. Recently, I conducted an investigation on my credit report, which caused me severe distress, and I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported with 100 % accuracy. 

In accordance with the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be reported accurately. These accounts are in violation of FCRA regulations under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting.

Attached are copies of all correspondence previously sent to your agency. I urge you to promptly address these errors and ensure that my credit report reflects accurate and verified information, as mandated by law.

Company response to consumer: Closed with explanation