vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I have two credit cards with Concora Credit Inc. One is a Destiny Card and the other is a Indigo Card. I have been working diligently to build my credit and I pay the full balance of each card in full every month on or before the due date. Both cards are linked to my personal bank account and I pay online. My due date is the XXXX of each month by XX/XX/XXXX. ET on XX/XX/XXXX I made my payments for both cards in full by XXXX :XX/XX/XXXX. ET. I received confirmation of both payments on the XXXX which I attached screenshots. To my surprise my statement, which came out on the XXXX at midnight did not reflect those payments and still showed my full balance on both cards dropping my credit score XXXX points. I contacted Concora Credit and no one could explain to me what happened. They told me that I should probably make my payments two or three days before the due date to prevent this from happening again even though I've paid on the due date many times and never had an issue. They refused to resolve the matter. I don't understand how you can pay off a credit card by the cutoff of the due date and it not reflect on the statement. The agent for both cards agreed that the payment was made on time and it showed me that I would not receive any charges or interests on the balances. However my plummeting credit score is my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX account ( XXXX XXXX XXXX account number 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 2024-10-14 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

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 2024-10-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: GA

Complaint narrative:
When checking my credit profile I noticed some inaccuracies in my 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 2024-10-14 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: GA

Complaint narrative:
When checking my credit profile I noticed some inaccuracies in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX account ( XXXX XXXX XXXXXXXX account number 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 2024-10-14 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: IL

Complaint narrative:
Unauthorized inquiries on my credit report with wrong names and addresses that do not belong to me.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Unauthorized inquiries on my credit report with wrong names and addresses that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Unauthorized inquiries on my credit report with wrong names and addresses that do not belong to me.

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 2024-10-14 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I am disputing the following accounts because they do not belong to me and appear to be the result of identity theft. I did not open, authorize, or use these accounts, nor did I receive any goods or services associated with them. Despite my efforts to address this with the companies involved, the accounts remain on my credit report. 

XXXX XXXX ( XXXX XXXX ) : XXXX XXXX is reporting a collection for services with XXXX that I did not authorize. I never opened an account with XXXX, nor did I receive any notice or bill. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : This account does not belong to me. I never initiated utility services with XXXX XXXX or any related provider. I believe my personal information was used without my consent to create this account. 

XXXX XXXX XXXX XXXX XXXX XXXX ) : This debt is incorrectly attributed to me. I never signed up for any services with XXXX XXXX. Attempts to contact XXXX XXXX XXXX for clarification have not been successful. 

XXXX XXXX : A vehicle loan account is listed under my name, but I did not apply for or finance a vehicle through XXXX XXXX. This fraudulent account is impacting my credit, and I am requesting its immediate removal. 

XXXX : I do not have, nor did I ever open, a XXXX credit card account. This account appears to be fraudulent. 

XXXX XXXX XXXX XXXX : XXXX XXXX is reporting an account that I did not open. I have never had any financial relationship with XXXX XXXX, and I suspect identity theft in this case. 

TD Bank : TD Bank is listing a credit account with late payments under my name. I did not apply for any accounts with TD Bank, and I believe this is the result of identity theft. 

In addition I have never lived at this address XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Actions Taken : I placed a fraud alert on my credit reports. 
I filed a police report for identity theft. 
I submitted a dispute with the credit reporting agencies and contacted the companies involved, requesting the removal of these accounts. 
Despite my efforts, these accounts remain on my report and continue to harm my credit score.

I am seeking the Consumer Financial Protection Bureaus assistance in ensuring these fraudulent accounts are removed from my credit reports. I also request that these companies investigate and provide a response regarding the fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
XXXX XXXX XXXX paid debt in XXXX to collection company- I have proof Actions taken - paid debt to debt collection company 2 years ago, they are still negatively reporting on my credit, and refuse to take it off. I have called the bank, and the credit bureau. 

XXXX XXXX - paid debit in XXXX to collection company- have copies that I paid the debt. They are still reporting negatively on my credit report, and refuse to take it off. 

XXXX XXXX XXXX paid debt to debt collection company, they are still reporting negatively on my credit reports. I have called the bank, and credit bureau, both refuse to take off of my credit reports. 

If you investigate, I paid them all. I will search for the other letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANK OZK
State: OR

Complaint narrative:
Multiple attempts over past XXXX  days and on previous occasions- to make contact with BankOZK re : my ability to pay debt, debt modification, debt management plan on XXXX XXXX XXXX XXXX. The automated answering system hangs up on me, states offices are closed even when calling during stated business hours. Attempts to contact using website message service ( name, email, phone, concern etc. ) without response. Default of automated answering service is to provide loan payoff and amount due only, only once has transferred me to human responder who could not help me nor provide direct number to billing department - stating internal number only but would make a note on my account about inability to pay ( XX/XX/XXXX ) but would not trigger call back or email correspondence and a sorry for the inconvenience. 

Speaking with a representative HAS BEEN AN ONGOING ISSUE WITH BANK OZK SINCE LOAN ESTABLISHED XX/XX/XXXX - as they continue to work with website/automated services which make speaking with person nearly impossible UNLESS you miss/are late on a payment or owe a late fee. On this XXXX occasion, they attempted to call during my work hours - number provided was same as mentioned above - and only emailed once which was an instance I could reply to. 

I am trying to work with a company to establish a DEBT MANAGEMENT PLAN and this company has been ALSO UNABLE to establish contact with BANKOZK.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-14 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: Velocity Portfolio Group
State: CO

Complaint narrative:
They have wrong name and address on credit profile. Its not the correct name as whats on my Drivers license and address. 15 U.S. Code 1681i - Procedure in case of disputed accuracy

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 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My previous mortgage company, XXXX, made an error in the public recording of a reconveyance done on XX/XX/XXXX ( see attachment dated XXXX ). Instead of reconveying my XXXX deed of trust ( attachment dated XXXX ), my XXXX deed of trust ( attachment dated XXXX ) was reconveyed. At that time, I was refinancing my XXXX deed of trust with the XXXX deed of trust. For both mortgages, the lender was XXXX, which has gone out of business. 

The XXXX deed of trust is currently held by Shellpoint/Newrez LLC . I contacted them XX/XX/XXXX alerting them to the error and the fact that they might be holding a mortgage that was recorded as paid off 5 years ago. Newrez responded by sending me on a wild goose chase to an XXXX trust company with vague contact details. I researched that trust company and contacted the appropriate group. They have informed me last week that Newrez/Shellpoint as the servicer of the trust has the authority to make the required correction and that they can not help me.

In the meanwhile, this has held up my refinancing application with a potential new lender for the last two months as they want the public record to be corrected. This is causing me considerable financial stress. I have not gotten any response from Newrez despite my many emails and phone calls to them throughout the process. I'm afraid they will do nothing or worse, send me on another wild goose chase.

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 2024-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint is in regard to a XXXX XXXX, originated in XXXX, and modified in XXXX by XXXX XXXX For XXXX years I applied, and kept applying, for a modification. XXXX constantly lost documents, or needed something they had forgotten to mention. I copied and faxed hundreds of documents, many the same documents over and over. There were more 'personal agents ' than I could keep track of. At XXXX point it was my full time job, and the stack of papers I accumulated was about XXXX inches high! 
I was a single mom with XXXX child, when I purchased this home in XXXX. During my career I was self-employed : I worked as a XXXX XXXX XXXX XXXX XXXX In XXXX I refinanced my home to help my son pay for college, and to do some needed repairs to the house, XXXX XXXX XXXX at the time. 
When the financial/mortgage crisis hit, I slowly lost clients, until I had NO work. In XXXX I first applied for the loan modification. Finally after XXXX years a certified package arrived, offering me a modification, and I had XXXX days to decide. If their terms were not accepted, I would be in default and lose my home. 
Thing is, the terms do not make sense. After an initial period of payments, the rate would rise to XXXX %, for the remainder of the term in XXXX. But the deal does not add up. After I have paid XXXX years I will still owe {$170000.00}! More than half of the original loan of {$300000.00} will still be owed. 
When I finally took action on my feelings of fraud I called Chase Bank, loan modification division. I was told 'nobody was supposed to keep those loans '. There was nothing Chase could or would do for me. Shortly after that conversation my loan was sold to a third party. Over the years I have tried to refinance but first I was self-employed, and now I am retired. I have never been late on XXXX mortgage payment since the loan modification in XXXX, have excellent credit that I put a lot of effort to resurrect, but get nowhere. 
The last time I tried earlier this year I was working with a loan broker that was confident he could help me. Nope. Nada. Nothing. He worked quite diligently and the only thing he could say is he felt the mortgage was being misrepresented at XXXX %, but never paying off the principal. 
I may have to sell my home of XXXX  years ( due to fixed income & fire insurance ) and the amount of equity I have accumulated since XXXX is very small. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, My name is XXXX XXXX and I am a creditor of the bankrupt XXXX exchange. I opened my Coinbase account in XX/XX/year> and completed the identity verification on the same day. However, my identity was not verified immediately and I had to wait for months, but I was verified in XX/XX/year>. During this time, the price of XXXX dropped significantly and I suffered a loss of about {$100.00} due to the delay. If my account had been verified in XXXX, I would have been able to withdraw my money when the price of XXXX was about {$69000.00}. However, my account was verified in XXXX, at which point the price of XXXX dropped to {$57000.00}. I would like to know the reason for this delay and ask if I can be compensated for my financial losses. Please look into this situation and please provide a response. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Absolute Resolutions Corp.
State: NE

Complaint narrative:
I went to pay my debt through Absolute Resolutions phone number ( XXXX ) on XXXX, 2024. They said I could not pay it through them because they had sent it to XXXX XXXX XXXX. When I called XXXX XXXX XXXX that same day, the law firm said that the account had been closed in XXXX of 2024. Absolute Resolutions violated my rights by making it so that my debt could not be paid.

Company response to consumer: Closed with explanation