vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: IL

Complaint narrative:
In 2019 XXXX XXXX XXXX move out doing XXXX XXXX because house had water issues with property sinking section XXXX tenant. 

I completed a short sale submitted all documents to XXXX XXXX Obudsman email department and requested for Title Company to correct hud XXXX that was submitted to XXXX XXXX by email and never got a clear to close. 

So the buyer went to another deal during XXXX XXXX. People I believed was moved around not in the office at XXXX why never received clear to close. 

I have spoken with XXXX requesting to remove to mortgage out of my name because that was not my faught when we were ready to close and CFPB knows about it. 

I filed a complaint about this doing that time and the Atty that was handling the closing can vouch that he faxed what XXXX requested. 

I received a alert from Experian today that XXXX reported this mortgage XXXX past due XXXX XXXX and I have not owned this property since 2019 up until the tax buyer had to go ahead to deed because he waited a year to help me close on this short sale that XXXX new about. 

Everytime I spoke with them about it they continued to avoid taking this mortgage out of my name. 

Now all of a sudden they reported this mortgage on my credit today 180 days past due that is erroneous and they have records communication that I dont even own the house or the garbage as of today date which the person that bought the house just purchase the taxes on the garage and XXXX and the Investor XXXX new about that. 

It made no since for me to redemption of the garage pay taxes when the XXXX person who now own the house the tax buyer did not buy the garage and those taxes were just sold to that XXXX man that came by my house looking for me to help him out. 

I gave him authorization to speak with XXXX who was the investor and I could have sold the garage and received the same money {$30000.00} that the short sale was approved for. 

Again, no help from XXXX nor XXXX and I did not want to leave the XXXX man name XXXX hanging who bought the house and not the garage which had it's own separate property identification number. 

Now that redemption has expired now XXXX decides to put false information on my credit report which is a scam and I am not going to be the fall guy and I want them to remove what they reported derogatory off my credit report which took a hit XXXX points. 

That's not fair and deceptive advertisement.

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 2024-03-14 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: MS

Complaint narrative:
I assert that the inclusion of certain accounts on my credit file is a direct violation of my consumer report. According to 15 US 1681C-2, my rights as a consumer have been clearly violated. I am requesting the removal of these items within 4 days as mandated by the law. This request is supported by the inclusion of my ssc, id, fie report, and personal statement.it is imperative to emphazie that my request to block was not made in error, nor was it based on a material misrepresentation. I did not knowingly obtain, or have known to obtain, possession of goods, services or money as a result of the transaction I am requesting to block. Therefore these should be block and removed within 4 days or further action will be taken on my behalf and I will sue for character defamation.

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 2024-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I.C. SYSTEM. INC has placed a collection on my credit report without following the laws such as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX They have a collection for XXXX XXXX. They show it as Date last activity as unknown, opening in XXXX of XXXX but and reporting it XX/XX/XXXX. This feels like they are trying to re-age it and violating FCRA Section 605 ( c ). They are a third-party collection agency and made no attempt to validate the debt in writing ( FDCPA Section 809 ( b ) FTC opinion XXXX XXXX XXXX XXXXXXXX ) XXXX I had sent them a letter asking for validation and they ignored it. And proceeded with collection. I asked their agency to immediately cease all collection activities related to this account. This included, but was not limited to, phone calls, letters, and reporting to credit bureaus. I am asking the CFPB at the minimum to request a validation of this debt, including a detailed account statement showing the original creditor 's name, the amount of the original debt, and any fees or charges that have been added. This information must be provided within 30 days of receipt of this letter, as stipulated by the FDCPA. In addition, I ask them to correct the credit Reporting. They should immediately show this account as charged off and correct the inaccurate reporting of this account on credit report while the investigation is ongoing if. Even better they should REMOVE it while the investigation is being done. This includes updating the account status to reflect its true last activity date and ensuring that it is reported as charged off, if applicable. As I stated earlier, I feel given the inaccuracies in reporting and the failure to provide an opportunity for debt validation, the removal of this collection account from my credit report with all three major credit bureaus would be the fairest resolution at this time.

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 2024-03-13 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: AL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCB/JCP is leaving my account in a delinquent status since XX/XX/2023 despite being paid as agreed. They are showing the account as delinquent XXXX and it is hurting my credit scores. This is violation of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX XXXX This should be immediately corrected and as such they should remove all late payment history from my account.

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 2024-03-13 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
to Equifax concerning discrepancies in my credit report, Following a thorough investigation into my credit report, I experienced significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately. Pursuant to 15 U.S. Code 1681e ( b ), which mandates consumer reporting agencies to employ reasonable procedures to ensure the utmost accuracy of information pertaining to individuals, it is clear that your obligations in this regard have not been met.

I am aware that according to 15 U.S. Code 1681i ( 5 ), specifically addressing the treatment of inaccurate or unverifiable information, consumer reporting agencies are obligated to promptly delete or modify such information upon confirmation of its inaccuracy or inability to be verified. Additionally, they are required to notify the information provider of any modifications or deletions made. Should you fail to provide verifiable proof within 15 days following your investigation, the accounts and/or information detailed below must be removed.

Pursuant to 15 U.S.C. 1681i ( 7 ) regarding the method of verification, it is evident that the following account lacks valid evidence and is therefore in violation. Please take the necessary steps to remove it from my credit report : XXXX XXXXXXXX Account Number : XXXX Similarly, in accordance with 15 U.S.C. 1681i ( 7 ), the following account lacks valid evidence and should be removed from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX Thank you for your cooperation in addressing this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The bank sold my information to a collection agency, and I have requested a copy of the debt of validation, the debt of verification and a purchase of agreement between the bank and the collection agency all three of which I have not received

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I tried to do an " instant deposit '' for {$2600.00} from my XXXX bank account to my Robinhood account. The whole process was supposed to take no longer than 30 minutes to complete. Once I noticed the transaction was never completed, I reached out to Robinhood and they informed me the transaction had expired. They suggested I reach out to my bank to notify them of the pending issue. After Calling XXXX, they informed me that the transaction was still pending and to call back when the transaction was completed. The transfer for {$2600.00} was completed by XXXX on XX/XX/XXXX. Unfortunately, Robinhood never received that transfer. I contacted XXXX to file a claim. the process started on XX/XX/XXXX. The bank asked me to allow 10 business days for the issue to be resolved. On XX/XX/XXXX I accessed my XXXX XXXX account and found two additional charges for {$2600.00} each from Robinhood. I contacted XXXX to assist me with the new charges. XXXX stated there was a glitch in their system and granted me a temporary reversal of {$5200.00} while they work on resolving that issue. As of XX/XX/XXXX the instant deposit for {$2600.00} has yet to be released to my XXXX account or my Robinhood account. XXXX denied the claim and insisted it was a completed transaction that would need to be resolved with Robinhood. After speaking to representatives at Robinhood, they insist the transaction expired after 30 minutes on XX/XX/XXXX. I have worked diligently with XXXX and Robinhood to have this matter resolved. Neither company has been able to assist me and the money has yet to reach either account. The next steps are unclear because neither company has given me a resolution. If someone could please assist me with this matter, it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023 I purchased a dog age test for {$150.00} through XXXX and used my Chase bank account card. XXXX claimed to reveal your dog 's birthday and age. I received the test, did exactly as it stated and returned it via mail. XXXX sent an email stating they received my test and would have the results in several weeks. The next day, I received an email stating my results were in and my dog was XXXX, almost XXXX XXXX XXXX which was not accurate at all. The only way to contact XXXX was through their website which was a form you had to fill out. The website listed NO telephone number, email address, or address. I contacted them through their site and stated I believed they mixed up my dog 's results with another dog but their response was a computer generated email stating how you can feel when your dog 's age isn't what you expected. I never was able to speak with anyone over the phone or via email and the problem had not been resolved. I contacted Chase bank and disputed the charge. Chase put the funds back in my account but most recently sent me a letter stating that they would be reversing the charge and taking the money back out of my account within the next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: IL

Complaint narrative:
I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in Investigating and resolving 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 2024-03-13 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2024-03-13 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: IL

Complaint narrative:
Consistently, I've made sure payments on this account are always on time, avoiding any instances of overdue payments. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

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 2024-03-13 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:
Consistently, I've made sure payments on this account are always on time, avoiding any instances of overdue payments. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CU Alliance, LLC
State: TX

Complaint narrative:
I acquired the mortgage in XXXX at which time I made paid XXXX extra payment so each year the mortgage would be be XXXX extra payment on principle. This went on until XXXX when my payments/taxes increased at which time I increased my payment when I got a call from the company saying the payment was short. I continued to make payment over the amount of the mortgage to be applied to principle. In XX/XX/XXXX I spoke to the mortgage company to see the total extra payments made had been added to my principle payment they told me non, They said the money was sitting in a curtailment fund. They said the system didn't realize they payments were extra and should have been added to principle. Also to explain why mortgage insurance/hazard insurance is not added to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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:
Kindly eliminate these inquiries. I lack any knowledge concerning them, and the company proceeded without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is the response from the Chime department and when I called to get the information on how to remove or pay I spoke with XXXX the customer service agent at XXXX and I know calls are recorded and she says the balance is XXXX. But how is it that it is reporting as collection/charge off. But you are saying here with your response to cfpb case : Dear XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  is in receipt of the complaint you filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. In your complaint, you expressed concern regarding the account information furnished to the credit reporting agencies by XXXX and you would like for them to be updated. XXXX is a financial technology company, not a bank. Banking services provided by XXXX XXXXXXXX XXXX XXXX. or XXXXXXXX XXXX XXXXXXXX, XXXX FDIC. We take all matters which affect our XXXX members very seriously. XXXX XXXX XXXX. serves as the issuer of the XXXX XXXX XXXX account and as such, takes the matter of your complaint very seriously as well. We conducted an investigation to better understand the full scope of this matter. The following is a summary of our findings. A review of our records determined that we began furnishing information on your XXXX XXXX XXXX account to the credit reporting agencies in XX/XX/XXXX and last reported the account in XX/XX/XXXX. XXXX reports information accurately to the three major credit bureaus. Our records indicate your account is being reported accurately. To remain fair and impartial to all our members, we are unable to modify our credit reporting procedure. Please feel free to contact XXXX XXXX Services at XXXX if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, XXXX XXXX XXXX XXXX XXXX. This is inaccurate and according to 15 USC 1681n ( civil liability for willful noncompliance ) and if that is the case you knowingly is and saying one thing and credit report is saying another. XXXX rep said that the account says XXXX and should be reporting as such and told me to dispute with the credit bureaus and they suppose to remove it. At this point if that is the case it needs to be removed asap

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the response from the XXXX department and when I called to get the information on how to remove or pay I spoke with XXXX the customer service agent at XXXX and I know calls are recorded and she says the balance is XXXX. But how is it that it is reporting as collection/charge off. But you are saying here with your response to cfpb case : Dear XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX is in receipt of the complaint you filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. In your complaint, you expressed concern regarding the account information furnished to the credit reporting agencies by XXXX and you would like for them to be updated. XXXX is a financial technology company, not a bank. Banking services provided by XXXX XXXXXXXX XXXX XXXX. or XXXXXXXX XXXX XXXXXXXX, Members FDIC. We take all matters which affect our XXXX members very seriously. XXXXXXXX XXXX XXXX. serves as the issuer of the XXXX XXXX XXXX account and as such, takes the matter of your complaint very seriously as well. We conducted an investigation to better understand the full scope of this matter. The following is a summary of our findings. A review of our records determined that we began furnishing information on your XXXX XXXX XXXX account to the credit reporting agencies in XX/XX/XXXX and last reported the account in XX/XX/XXXX. XXXX reports information accurately to the three major credit bureaus. Our records indicate your account is being reported accurately. To remain fair and impartial to all our members, we are unable to modify our credit reporting procedure. Please feel free to contact XXXX XXXX Services at XXXX if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, XXXX XXXX XXXX XXXX XXXX. This is inaccurate and according to 15 USC 1681n ( civil liability for willful noncompliance ) and if that is the case you knowingly is and saying one thing and credit report is saying another. XXXX  rep said that the account says XXXX and should be reporting as such and told me to dispute with the credit bureaus and they suppose to remove it. At this point if that is the case it needs to be removed asap

Company response to consumer: Closed with non-monetary relief