vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I would like to bring to your attention that my information was used while I was XXXX. I see accounts on my report that I did not authorize at all. Please see attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/XXXX I called Capital One to get a phone number tied to a transaction on XX/XX/XXXX. The agent asked if I wanted to dispute it, and I informed him I would call back if I wanted to and I ended the call. Without my knowledge or approval the agent initiated a fraud investigation. On XX/XX/XXXX my debit card was blocked without my authorization or approval .Upon calling and spending over an hour on the phone and being hung up on by one representative, I was given multiple reasons for the block and each time I disputed the reason being given I the story was changed to fit Capital One 's narrative. They refuse to overnight me a new debit card so I am now without access to a workable debit card until they send me out a new one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have had an experian account for many years and i need access to it now to repair my credit and they have locked me out of my account and claim that it does not exist.

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 2025-01-07 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-07 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: PA

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current 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 2025-01-07 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: DISCOVER BANK
State: IL

Complaint narrative:
I am a victim of identity theft my information was stolen due to a data breach with XXXX there are XXXX credit card accounts that was open under my name on XX/XX/XXXX in the amount of {$15000.00}, XX/XX/XXXX in the amount of {$13000.00}, XX/XX/XXXX in the amount of {$12000.00}, XX/XX/XXXX in the amount of {$7700.00}, XX/XX/XXXX in the amount of {$11000.00} this matter has been hindering me from being able to provide my children a nice home the companies closed the XXXX credit card accounts but due to this identity theft it has caused my credit reporting a great deal of harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and found several serious inaccuracies regarding the XXXX XXXX XXXX account ( Account Number : XXXX ). The information provided is inconsistent and shows repeated re-aging of the charge-off status, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ), which limits the reporting of charge-offs to seven years from the date of the first delinquency. 

Specific issues include : The account is reported as charged off continuously over multiple years, from XXXX to XXXX, with inconsistent balance and status updates. 

The status update date is listed as XX/XX/XXXX, but the balance was updated as recently as XX/XX/XXXX, suggesting ongoing activity or re-aging of the account, which violates 15 U.S.C. 1681c ( c ) ( 1 ), prohibiting re-aging of debts. 

The " on record until '' date is listed as XX/XX/XXXX, which contradicts the continuous charge-off reporting that implies ongoing delinquency beyond the standard reporting period. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) of the FCRA, credit reporting agencies are required to provide a detailed description of the reinvestigation process within 15 days of receiving a consumer 's dispute. Despite my previous request, no such description was provided, which is another violation of my rights under the FCRA. 

The repeated re-aging of this account, combined with the failure to provide a detailed reinvestigation process, demonstrates non-compliance with federal regulations. These actions are not only misleading but also unjustly prolong the negative impact on my credit report. 

Due to these multiple violations and inaccuracies, I am requesting the immediate deletion of this account from my credit report. 

Please address this issue promptly in accordance with the FCRA guidelines.

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 2025-01-07 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: MO

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-07 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: AL

Complaint narrative:
RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Attached to this letter is all necessary victim determination documentation needed to remove this adverse information on my report. According to section 605B, The Transunion reporting agency must remove this negative information within 4 business days of my written notice. All adverse information in my consumer FICO report has been attached to this letter in a PDF attachment, listing all accounts.

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 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
Have been in contact with New Rez, my morgtage company on XX/XX/XXXX, XX/XX/XXXX and I believe one other date, I forgot to note. Each time they told me payment was made on XX/XX/XXXX with check number XXXX. 

On XX/XX/XXXX NewRez advised their investigation showed taxes were paid. Both myself and when contacting the treasurer for my municipality showed taxes have not been paid On XX/XX/XXXX taxes were still not paid. NewRez contacted and they said they have been paid. Again municipality and their website showed taxes not paid. They searched the check number provided and showed no receipt of being received and checked the amount of my taxes, which showed two exact amounts, one received from XXXX XXXX and another fe XXXX XXXX which had a different parcel number. NewRez said they would Again open up another case and requested screen shot of website showing taxes not paid. 

On XX/XX/XXXX, at approximately XXXX hours tax bill along with screen shot, showing taxes have not been paid was sent.

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 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I requested a copy of my loan amortization schedule which was printed on XX/XX/year>. 
When I checked regarding my PMI payment and why I was still making it, the loan company informed me, it was incumbent upon me to determine when I had reached the threshold of the proper loan ratio to ask to have PMI payments removed. They have agreed to stop charging PMI as of my request, but my loan reached the proper limit according to their amortization table back in XXXX of 2023. I think it should not be incumbent upon the loan holder to know when the PMI limits have been met and I want the over collected PMI refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00} Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I am not liable for this debt of {$210.00} with I C SYSTEM INC account number XXXX. I do NOT have a contract with I C SYSTEM INC, they DID NOT provide me with the original contract as I requested with my wet signature and ID verification.

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 2025-01-07 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:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: HireRight Solutions, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I began the background screening process with HireRight, a company contracted by my soon-to-be employer. HireRight attempted to pull my credit information from XXXX, but HireRight was unable to verify my information because " the information provided by XXXX was incorrect '' ( as stated by a representative from HireRight ). On XX/XX/XXXX HireRight again contacted XXXX to verify my credit information, and was again " given the same incorrect information ''. When I attempted to call HireRight personally, they were unable to provide any information they had received from XXXX directly to me, and I was told to contact my future employer for that information. I contacted XXXX on XX/XX/XXXX and informed them of the issues I had with HireRight, and after investigating, the XXXX representative on the phone confirmed he had seen an internal error. I was told the error would be fixed in 3 - 5 business days, and I could have HireRight proceed with the background check. As of XX/XX/XXXX, XXXX informed me the issue had been resolved, and on XX/XX/XXXX my soon-to-be employer restarted the SSN Trace through HireRight. HireRight once again provided the same incorrect information to my soon-to-be employer, despite the issue being " fixed '' on XXXX 's end. After disputing this information directly with HireRight ( XX/XX/XXXX ), I was told that the information received was correct, and I would need to contact XXXX to fix this issue. After requesting details surrounding the dispute process, and how HireRight produced its " Results of Reinvestigation '', I was not given an answer - A clear violation of the FCRA, 15 U.S.C 1681i. This error has caused my start date of XX/XX/XXXX with my new employer to be pushed out, and has thus resulted in lost earnings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had three fraudulent ATM withdrawals in another state totaling around XXXX $ upon filing the dispute on the last day when I was supposed to be refunded the representative told me my account will be closed in 35 days and my dispute is denied. How do atm withdrawls hours away from where I live mean I didnt safeguard my information this is insane!! I filed a police report and even went the extra mile to have it added to my disputes information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Dear CFPB Representatives, During the XXXX pandemic, I became a victim of cybercrimes that impacted my ability to access bank accounts. As a result, I lost access to my account temporarily and was forced to change my phone number and take steps to secure my personal information. I believe these incidents contributed to the negative reporting on my ChexSystems file. 

Since then, I have been unable to access or review my ChexSystems report. I have tried multiple times to register on their website and contact them directly, but all attempts have failed. As a result, I can not identify or dispute any inaccurate or outdated information on my report. 

This situation has had a significant impact on my life : Family finances : I recently got married and want to open a joint bank account with my spouse, but this has been impossible due to the restrictions tied to my ChexSystems report. 

Business operations : I am in the process of starting a company, and I need a business bank account, but I have been denied because of this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: NY

Complaint narrative:
I received the following voice mail : Hi, this is XXXX XXXX. XXXX just need you to give XXXX XXXX a message and have her call me back at the XXXX  office. XXXX. Thank you. '' I have no idea who XXXX XXXX is and was incredibly confused as to how they knew my name and phone number. Nowhere in that message did they mention Tower Loan. Therefore I felt I was led to believe/lied to, that it was an inoffensive message maybe related to a doctors office. Why did the Tower Loan agent say that she was calling from the XXXX  office? That is misleading. 

When I called I did not want to share any information with XXXX XXXX because I did not know who she was nor where she was calling from. She asked for my name and my relationship with XXXX XXXX and when I hesitated she berated me and told me that if I didnt cooperate with her I would not get the information that I needed.

Company response to consumer: Closed with explanation