vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 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: VA

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The credit card company Bank of America is reporting inaccurate information on my XXXX and XXXX reports. 
I never applied for a Bank of America credit card

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 2023-12-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I co-signed for an apartment for my my mother ( XXXX XXXX XXXX ) in XXXX and in XXXX was moved into assisted living. Prior to moving out we contacted the management company to advise them that her medical condition would not allow her to live alone any longer. The manager and our family settled on a move out date. She moved out and we had no issues, notices, or contact from the management company until almost 2 years later, now saying she owes a month 's rent. The rent was paid per our move out agreement and there was no money owed. Contact person was : XXXX XXXX | XXXX XXXX XXXX  XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Tel : ( XXXX ) XXXX | XXXX Mother : XXXX XXXX XXXX Myself ; Cosigner : XXXX XXXX ( now XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: SC

Complaint narrative:
XXXX XXXX XXXX said and showed I was late on a payment which is incorrect. The card isnt even activated but all payments were automatic. It was a XXXX XXXX XXXX XXXX, not my information that was negatively reported, please remove from my credit profile

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 2023-12-07 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: SC

Complaint narrative:
XXXX XXXX XXXX said and showed I was late on a payment which is incorrect. The card isnt even activated but all payments were automatic. It was a XXXX XXXX XXXX XXXX, not my information that was negatively reported, please remove from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: SC

Complaint narrative:
XXXX XXXX XXXX said and showed I was late on a payment which is incorrect. The card isnt even activated but all payments were automatic. It was a XXXX XXXX XXXX XXXX, not my information that was negatively reported, please remove from my credit profile

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 2023-12-07 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: LA

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 XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I closed on XX/XX/23, the title company is XXXX XXXX and lender is XXXX XXXX. Acccording to the closing documents all prior tax liablilities were paid by the owner of the property. However, when I called the three tax authorities only two of the three tax bills were paid by the owner. I sent an email to XXXX XXXX with proof of the unpaid taxes and they pretty much disregarded my email. My closing was {$14000.00}, which included prorated amount of the taxes, which were inflated because the prior owner had homestead exemptions. Also, the lender Cardinal Financial applied three months of prepaid taxes, however, they told me that I need to pay the tax payment on the first of XXXX. I told the loan officer, i prepaid three months of XXXX, PMI and Taxes why do I have to pay it in my first payment month of XXXX. She did not respond. The deceptive practices are terrible with lenders and capital companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: FL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: PR

Complaint narrative:
I am writing to express my concern regarding unauthorized disclosures of my credit information and unauthorized credit checks conducted without my consent or authorization. These unauthorized activities have negatively impacted my creditworthiness and caused me significant distress. 
I have recently been notified that my credit information, including previous addresses, has been accessed by unauthorized individuals or entities. This information has been used to conduct credit checks without my knowledge or consent. I am deeply concerned about the potential for identity theft and the detrimental impact these unauthorized activities may have on my credit score and financial future. 
I request that the CFPB investigate this matter and take immediate action to remove all unauthorized credit information and inquiries from my credit reports. This includes, but is not limited to, the following : Removal of all unauthorized inquiries : I request the removal of any credit checks conducted without my consent from my credit reports. 
Removal of all unauthorized credit information : I request the removal of any unauthorized personal information, including previous addresses, late payments from my credit reports. 
Investigation of the source of the unauthorized disclosures : I request a thorough investigation to determine the source of the unauthorized disclosures and to hold any responsible parties accountable. 
Implementation of measures to prevent future occurrences : I request that the CFPB work with credit reporting agencies and other relevant entities to implement measures to prevent future unauthorized disclosures and credit checks. 
My request for the removal of unauthorized information is based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 6802. This law prohibits the reporting of inaccurate or incomplete information on credit reports.

I am also available to provide any additional infor
mation that may be helpful to your investigation.

Thank you for your time and attention to this matter. I urge you to take swift and decisive action to protect my financial privacy and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: PR

Complaint narrative:
I am writing to express my concern regarding unauthorized disclosures of my credit information and unauthorized credit checks conducted without my consent or authorization. These unauthorized activities have negatively impacted my creditworthiness and caused me significant distress. 
I have recently been notified that my credit information, including previous addresses, has been accessed by unauthorized individuals or entities. This information has been used to conduct credit checks without my knowledge or consent. I am deeply concerned about the potential for identity theft and the detrimental impact these unauthorized activities may have on my credit score and financial future.

I request that the CFPB investigate this matter and take immediate action to remove all unauthorized credit information and inquiries from my credit reports. This includes, but is not limited to, the following : Removal of all unauthorized inquiries : I request the removal of any credit checks conducted without my consent from my credit reports. 
Removal of all unauthorized credit information : I request the removal of any unauthorized personal information, including previous addresses, late payments from my credit reports. 
Investigation of the source of the unauthorized disclosures : I request a thorough investigation to determine the source of the unauthorized disclosures and to hold any responsible parties accountable. 
Implementation of measures to prevent future occurrences : I request that the CFPB work with credit reporting agencies and other relevant entities to implement measures to prevent future unauthorized disclosures and credit checks. 
My request for the removal of unauthorized information is based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 6802. This law prohibits the reporting of inaccurate or incomplete information on credit reports.

I am also available to provide any additional information that may be helpful to your investigation. 
Thank you for your time and attention to this matter. I urge you to take swift and decisive action to protect my financial privacy and creditworthiness.

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 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had been paying my XXXX credit card when billed until they changed their billing email address, without notice, and my statement was caught in my spam filter. I did not know I owed anything until notified of a credit score problem by my bank. 

I contacted XXXX and tried to pay the bill but they said the account had been closed. I looked at the statement online and the due date is XX/XX/2023 ... today is XX/XX/2023 so the bill STILL isn't due. Fortunately, I printed the statement as XXXX has now blocked me from seeing it. 
I had XXXX XXXX send a payment to them and I have proof of payment from the bank. The payment was processed on XX/XX/2023. 

I filed a dispute via Experian and XXXX rejected it. 
I called Experian to file another one and they did. 
I called the XXXX dispute line, XXXX, and could not get through to a human operator because I no longer have an account. 

I have excellent credit and have lost points on my score due to an {$8.00}... now {$10.00} charge. Actually, I called XXXX today and they said my balance is XXXX so it looks like they accepted the payment from XXXX. 
This is ridiculous. I paid over $ XXXX to my XXXX XXXX this month so I definitely would not duck out on paying a measly {$10.00}. 
XXXX is being completely unreasonable and unhelpful. 

Thank you.

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 2023-12-07 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: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: CA

Complaint narrative:
Dear TransUnion I noticed that you verified the account below : XXXX XXXX XXXX Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX XXXX XXXX Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

XXXX XXXX Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

Because I dont know a lot about credit repair, I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. 

He also stated that once I receive this information, he would like to review it. Please send ASAP. 

Thanks. 

CC : FTC, XXXX, CFPB

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 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
In XX/XX/2023, I XXXX the phone number to what I thought was my bank. Chime. I talked to the woman about credit card payments. She said I needed to download an app so she could get my money back. I watched my account as she stole my money and put it into someone's account. My bank isn't doing anything to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: FL

Complaint narrative:
There are inquiries i dont recognize that i need removed immediatley. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-12-07 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: FL

Complaint narrative:
There are inquiries i dont recognize that i need removed immediatley. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been receiving repeated and unwanted telephone calls from representatives of Synchrony BankXXXX regarding an account that I have never owned or been associated with. These calls have become a source of harassment and inconvenience, and I am not the debtor in question.

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 2023-12-07 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: CA

Complaint narrative:
Dear Equifax Just to start things off, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 

XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

XXXX | XX/XX/XXXX : Account number : N/A, Bureau code is inconsistent between Bureaus. Investigate, delete or fix date of last payments. 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 

Tracking all letters. 

Waiting.

Company response to consumer: Closed with non-monetary relief