vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: MD

Complaint narrative:
These furnishers continue reporting false, inaccurate information on my credit report. XXXX, Experian and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! - Per Section 623 15 U.S. Code 1681s2 : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. - Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. - Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
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 2024-07-02 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Police Report ( Case # XXXX ) and FTC Identity Theft Affidavit ( Reference # XXXX ) are attached. 

From the filed police report : I had a laptop bag containing a personal laptop, cell phone, and wallet stolen at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) on Thursday ( XX/XX/year> ). Subsequently, I noticed a fraudulent charge of {$5000.00} from a merchant named XXXX on Tuesday ( XX/XX/year> ). After the incident, I was forced to purchase a new laptop and cell phone and obtain a new cell phone number, in addition to replacing critical personal documents ( Driver 's license, debit/credit cards ). Additionally, I received a highly suspicious XXXX invoice for the purchase of an equivalent amount of XXXX ( XXXX XXXX USD Equivalent {$5000.00} ). As a result of the fraudulent charge of {$5000.00} on my XXXX ending XXXX, I filed a fraud claim with Bank of America ( XXXX # : XXXX ). 

Reporting agency XXXX Police Department XXXX XXXX XXXX XXXX, WA XXXX Ph : 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 2024-07-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-07-02 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: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I have a couple different hard inquiries on my account that should have not been on them. I sent in a letter to XXXX with all the inquiries that should not be there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have sent multiple dispute letters to Midland Credit Regarding a collection account in the amount of {$700.00}, that they are reporting on my credit reports. They have failed to respond to these letters which is a direct violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I paid my {$7600.00} mortgage payment ( for payment due XX/XX/year> ) to Shellpoint/Newrez via XXXX XXXX on XX/XX/year>. 

My loan was transferred to XXXX XXXX XXXX, effective XX/XX/year> ( though I received nothing from XXXX until a letter dated XX/XX/year>, which I received in the mail XX/XX/year> ). 

Shellpoint confirms they received my payment on XX/XX/year> and states they wired it to XXXX on XX/XX/year>. 

XXXX states they did not receive the {$7600.00} and that they need proof of the payment. 

This morning I spoke with XXXX, who despite being a " member of management, '' would not assist me because they no longer service my loan. He would only provide an address to where I could send a letter. I do not have time to send a letter, as my {$7600.00} has been lost and XXXX XXXX XXXX is threatening my credit and assessing late fees. 

I need Shellpoint to provide me written proof of the wire transfer to XXXX XXXX, as I am being forced to play the middleman and must provide it to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/XXXX I deposited a US Treasury check into my chime account in the amount of {$320.00} A check that I received every single month for my son 's XXXX. After I had already signed the check with " deposit only at Chime " and deposited it through the mobile checking feature I was told the check would be on hold for 8 days. Last month I deposited this very same check in the very same way into my account and was given the funds the very next day when I called chime to ask why I was told that the funds would be available and not to worry, I was told that 4 separate times once by a Supervisor when the funds again we're not made available on the 2nd like I was told I called back again and was told by a second supervisor that time randomly selects checks for hold and that there is nothing they can do about it and the checks would was not able to be reversed and they funds would not be available to me until the 8th I have had this account for a very long time and keep it in good standings and use it all the time there's absolutely no reason for this check to be held for 8 days I feel like my money is being held hostage and they will not help me. This is absolutely ridiculous and I am going to be closing my account once my money is given to me... I feel like they are holding this money illegally and I don't understand why there's nothing I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: ID Analytics, Inc.
State: LA

Complaint narrative:
I have inaccurate information on my credit report and I was informed it's due to XXXX XXXX. I requested these accounts with them to be removed as well as my information to be locked a year ago and that has not happened. 

I reached out in XXXX of this year to have alot of information removed from my consumer report and I did not get correspondence back. 

I am reaching out again as this is hurting my credit and has cause my score to decline significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
Credit card account was opened in my name when my vehicle was stolen. Disputes with credit bureaus and creditors and submitted ftc and policy report verifying identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: PA

Complaint narrative:
Upon reviewing my annual credit report with all three bureaus, the following 3 hard inquires were made ( not on my behalf ) : 1. found on XXXX credit report - XXXX XXXX XXXXXXXX XXXX date of inquiry : XX/XX/year> ) 2. found on Equifax credit report XXXX XXXX XXXX XXXX XXXX date of inquiry : XX/XX/year> ) XXXX found on Equifax credit report XXXX XXXX XXXX  XXXX XXXX XXXX date of inquiry : XX/XX/year> )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: MI

Complaint narrative:
I am writing to formally lodge a complaint regarding incorrect information on my credit report that has been verified by Experian as accurate. 
However, upon closer inspection, I have identified several inconsistencies that are grounds for deletion : Incorrect Information : The account status listed on my credit report by Experian contains incorrect information. Specifically, the incorrect payment status. 
Inconsistent Across Credit Bureaus : The account status is inconsistent across the three major credit bureaus ( XXXX, XXXX, and Experian ). For instance : XXXX reports the account as closed. 
XXXX reports the account as paid. 
Experian reports the account as paid. 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of information. Furthermore, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-07-02 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: CA

Complaint narrative:
I don't understand how in my multiple attempts of dispute, nothing has changed. I don't think your company cares enough about your consumers because not only this has negatively impacted me, it has also diminished my opportunities and closed so many doors for me. I wish you could understand how it feels to be this hopeless knowing that these are being reported on my credit without proper verification and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial
State: CA

Complaint narrative:
My credit file has been impacted by incorrect information that has been reported regarding multiple late payments. In XX/XX/year> I requested information from the company regarding the misinformation and did not receive a response. I also disputed with the credit bureau and online and no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: PA

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 non-monetary relief
Consumer complaint received 2024-07-02 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: PA

Complaint narrative:
Upon reviewing my annual credit report with all three bureaus, the following 3 hard inquires were made ( not on my behalf ) : XXXX found on Experian credit report XXXX XXXX XXXX XXXXXXXX XXXX date of inquiry : XX/XX/year> ) XXXX found on XXXX credit report XXXX XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/year> ) XXXX found on XXXX credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/year> )

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 2024-07-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: PA

Complaint narrative:
IC system is debt collection agency of robbers trying to collect a {$2000.00} XXXX bill in which i do not owe.

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 2024-07-02 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: TX

Complaint narrative:
I am writing to dispute several unauthorized inquiries listed on my credit report. I have identified the following inquiries that were made without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
I am writing to dispute several unauthorized inquiries listed on my credit report. I have identified the following inquiries that were made without my consent.

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 2024-07-02 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: DISCOVER BANK
State: TX

Complaint narrative:
I have 2 hard inquiries by Discover while I approve only one. Discover ran my credit causing a hard inquiry in my credit report before requesting all documentation needed to complete application. It is uncommon that institutions run credit on customers before having sufficient information or documentation to complete application. In addition to this, Discover denied the application stating that I did not provide all the requested documentation within the time frame defined, however there were important delays on Discover side to analyze my documentation and make a determination. All the documentation was submitted and accepted through their website platform as the channel provided by Discover for this application. Weeks later, I received a response via email that documents were not provided on time and therefore application was denied. Please provide timeline of the application process on question, including dates of submission of documentation to clarify this topic.

For additional supposed approved hard inquiries, please provide the supporting evidence of my approval to run my credit. I do want to mention that after application denial, I called multiple times as a consultation of the issue and follow up on this matter. I did not approve additional hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-07-02 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My purchases were declined by bank of america in merced California. I was told to look at declined transactions just not told to accept current activity they declined. I accepted an next day they locked card again with no activity..

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 2024-07-02 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: GA

Complaint narrative:
I am writing to address a matter of significant concern regarding persistent hard inquiries on my credit report. It is disconcerting that these inquiries were conducted without obtaining my explicit consent.

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