vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX of XXXX XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date XXXX inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX & XXXX XXXX Date of inquiry XX/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 2024-06-14 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: AZ

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-06-14 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:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

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 2024-06-14 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-06-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-06-14 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: NC

Complaint narrative:
On XX/XX/2024, I received alerts from XXXX XXXX credit monitoring and TransUnion that XXXX XXXX reported a XXXX late payment, causing a significant drop in my credit scores. This claim is completely a lie, false ; I have never been late with XXXX XXXX, and I possess valid, relevant documents to support my statement. I promptly contacted the credit agencies to dispute this incorrect information, emphasizing the urgency of processing my dispute without delay and submitting supporting documents. However, dealing with TransUnion has been a nightmare. I have spoken to XXXX different representatives across customer service, online disputes, and technical support, yet I have made no progress. My concerns and factual statements are being ignored, and my account remains temporarily suspended, preventing me from accessing the online dispute system. During XXXX of my calls, an XXXX representative was extremely rude, instructing me to call back for another representative before abruptly hanging up on me. I am being treated unfairly while simply trying to correct the erroneous and untruthful information damaging my credit score and ratings. Given this situation, I am seeking legal counsel. XXXX XXXX has acknowledged that they did not report any late payment, as I have always been punctual 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 non-monetary relief
Consumer complaint received 2024-06-14 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: TX

Complaint narrative:
I was under the impression that there would be no hard inquiries into my credit history with requests for credit limit increases and new credit products with the following dates and companies. I would not have sought the credit limit increases or new credit products if I had known or been informed that a hard inquiry would be done on my credit file. I have attempted to obtain resolution and clarification on these matters with both the credit bureaus and companies without a satisfactory resolution. 

I am therefore bringing these complaints to the CFPB to attempt to obtain a satisfactory resolution regarding these items that are now present on my credit report. 

With Transunion Credit Bureau, hard inquires on XX/XX/year> by XXXXXXXX XXXX XXXX on XX/XX/year> by XXXX XXXX  on XX/XX/year> by XXXX XXXX XXXX, on XX/XX/year> by XXXXXXXX XXXX XXXX With XXXX Credit Bureau, hard inquiries on XX/XX/year> by XXXXXXXX XXXX XXXX, on XX/XX/year> by XXXXXXXX XXXX, on XX/XX/year> by XXXX XXXX, on XX/XX/year> by XXXX XXXX Fair and satisfactory resolution on this issue would be the removal of the items above from my credit report.

I thank you for your time and consideration.

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 2024-06-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XXXX of XXXX I filed XXXX XXXX bankruptcy. I reaffirmed on my mortgage that I have through XXXX XXXX XXXX but is serviced by XXXX XXXX XXXX and never missed a payment or was late. On my credit report it shows that I filed bankruptcy on the house and it doesnt show that Ive made any payments since last XXXX. Ive contacted XXXX XXXX XXXX 3 times for them to correct it but every time they tell me it should be updated next month. Ive contacted them once a month for 3 consecutive months but it still hasnt been corrected.

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 2024-06-14 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:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a customer of XXXX XXXX XXXX and my scores from Equifax is not being reported. I'm working on cleaning my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one closed my account due to ( too many bank transfers to myself ) and said they don't have a time line on when my funds would be released could take a couple months is what i was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: TX

Complaint narrative:
I am writing to bring to your attention a concerning matter regarding my credit file. I have noticed a collection entry from your agency, which has caught my attention as I was not previously informed about this alleged debt collection. Furthermore, I have serious doubts about the accuracy and validity of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of this debt. Thus, I kindly request that you provide me with the required validation information and take appropriate actions to properly address 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 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
PayPal and or Synchrony Bank says a computer purchased on XXXX XXXX the amount of {$2100.00}. Was charged. So an investigation was started due to me calling when it came to my attention on my XXXX or XXXX statement. At this time I am asking PayPal for the statements for the year per XXXX XXXX  Advice. However, Synchrony bank has opened and closed this investigation on XX/XX/XXXX, not in my favor XX/XX/XXXX not in my XXXX, XX/XX/XXXX, not my favor, XX/XX/XXXX, not my favor, XX/XX/XXXX not my favor, and XX/XX/XXXX they completed the investigation. However on the month of XX/XX/XXXX I had Identity theft. I sent them all of the paper work including a police report from XXXX financial from XXXX where they broke into my phone I no longer have my PayPal account it was shut off immediately. I paid to have @ XXXX to XXXX pages of proof of identity theft from XX/XX/XXXX sent to them and they r trying to say I bought this computer. XXXX XXXX is now involved and told me to make this complaint.my family r military veterans my husband is XXXX XXXX and it is terrible we have to fight this for XXXX year now.

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 2024-06-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am writing to file a complaint regarding an unauthorized account that was opened in my name at Kohls. According to my credit report, this account was opened on XX/XX/year>. I first noticed this issue about a month ago when my credit score dropped significantly.

I attempted to resolve the matter by contacting Kohls customer service by phone, but I was unable to speak with an agent. I also tried to resolve the issue via chat, but the representative could not locate the account and advised me to call customer service again. As a result, I filed claims with XXXX, XXXX, and XXXX. 

XXXX responded by stating that the account is accurate. However, I have never opened an account with Kohls, so this information is incorrect. I have had to appeal their decision. 

Yesterday, I received a call from a collections department regarding a debt associated with this unauthorized account. I called Kohls and was transferred to the applications department, where a representative helped me file an internal claim to remove the account from my name, as she could not locate the account number. 

Today, I received another call from the collections department, informing me that there has been no update from Kohls on this issue. The collections agent provided me with the email address associated with the account, and it is not my email address. 

This situation is severely affecting my credit score, and I need it resolved as soon as possible. Please take immediate action to investigate and correct this matter. 

Thank you for your prompt attention to this issue. I have attached the initial negative response from XXXX, which I have already appealed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
I had. XXXX XXXXXXXX XXXX  times and lost my job and income XXXX and XXXX in XXXX I had a XXXX XXXX XXXX XXXX which led me to apply for a hardship. Instead of receiving XXXX XXXX relief XXXX came after me and sold my loan during a hardship assistance approval and all payments made to the XXXX Illinois were not applied during my hardship when I had the original account. XXXX and Mr. Cooper located in XXXX XXXX mortgage was given notice a bankruptcy would be in effect starting XX/XX/XXXX and my first payment will be a month from this date in XX/XX/XXXX. The evidence I would like to submit for the hearing is the following. 
Payment made by money orders XX/XX/XXXX first paycheck was cashed at XXXX XXXX my last XXXX ssn XXXX mailed in. 
XX/XX/XXXX payment of XXXX was paid confirmation number XXXX This payment was intended for XXXX XXXX XXXX XXXX XXXX was made over the phone confirmation number XXXX XXXX and XX/XX/XXXX payment was combined into XXXX payment on XX/XX/XXXX XXXX/XXXX/XXXX XXXX dollars confirmation number XXXX. 
XXXX payment was made in XXXX payments, XX/XX/XXXX XXXX dollars and confirmation number XXXX XX/XX/XXXX for XXXX dollars confirmation number XXXX. The XXXX payments total XXXX. I was told when I called by a representative that my initial payment of XXXX would be enough because I have XXXX in my Miscellaneous account sitting there and can be applied if my lawyer let XXXX know since he is in charge of my bankruptcy but it was not. I also have a Holding account with funds sitting in the account in the amount of XXXX dollars and ( Holding Account ) as if XX/XX/XXXX On XX/XX/XXXX I was told that I needed to make a payment of XXXX extra for XXXX 6 months to catch up so I made a payment on XX/XX/XXXX Over the phone in the amount of XXXX confirmation number XXXX This concludes my payments Now I am facing loosing my home and they have added with my bankruptcy lawyer XXXX additional payments in 8 months to my loan ending after XXXX XXXX in the amount of XXXX plus XXXX as a single mom and I dont know how they came up with this because I paid them. 
XXXX XXXX XXXX money orders XXXX mailed in not Over the phone a picture of the receipt can be found as an additional attachment there is no confirmation number but it was recorded as received and applied to a different loan from a sister company XXXX in XXXX  and with a totally different loan number. This was my previous account before XXXX Illinois sold my mortgage to XXXX Mr. Cooper in Texas. I filed Bankruptcy XXXX XXXX repayment plan with payment going to my lawyer each month of XXXX separate from my mortgage. Please help me XXXX Sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: LA

Complaint narrative:
Purchased a prepaid Vanilla Visa gift card in XXXX XXXX. Card didn't work and customer service couldn't help. Vanilla sent me a replacement card that didn't work. Called customer service and they sent a 3rd card that didn't work. Called customer service again and was promised a refund in 3 weeks. It's been 4 weeks and no refund. Called customer service again today. Was told I'd get a " response in 7 to 10 business days. '' It's going on 2 months since I bought the card. I need my money back.

Company response to consumer: Closed with explanation