vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 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 2024-04-15 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 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 2024-04-15 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: NY

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I requested information this information last XX/XX/2023 and I have yet to receive anything. 

Please have this company upload the following documentation :. 

All billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E allocation of payment.

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 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Hi, I set up a direct deposit with chase and was supposed to recieve my paycheck on Thursday. My employer says that they have already provided the funds but chase claims that they don't see any incoming transactions. It's Monday now and chase banking claim that they can't do anything. I still don't have my pay and no way to fund out where my money ism Chase has been nothing but unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: MARINER FINANCE, LLC
State: TX

Complaint narrative:
On my XXXX credit report is showing a loan that I have never taken

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: SC

Complaint narrative:
In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

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 2024-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Flagship Credit Acceptance keeps responding that l am making frivolous complaints against them but fail to address specific concerns raised. Is the note being traded? This is a yes or no question. In no attempt have I made any statement that is not true. Flagship Credit Acceptance is an active registrant with the SEC which you have to be to transfer and sell securities it is outlined in the Securities Exchange Act. If Flagship Credit Acceptance is not engaged in securities fraud how were they able to receive the transferred note from Flagship Credit Auto Trust who is the issuer of the note and XXXX XXXX XXXX XXXX is the depositor who pays Flagship Credit Acceptance as the servicer to collect on the allege loan and make contact with its customers. All of this can be easily proven by getting a licensed broker to run the account number and matching this information up to the cusip number and XXXX XXXX XXXX XXXX account numbers. If Flagship Credit Acceptance would just answer my questions about the this alleged fraud I would stop filing complaints until then I have every right to get the CFPB, SEC ( whistleblower ), & FINRA involved to track their activities involving securities since what I'm stating is untrue. If you reply back that I am incorrect again this is exactly what I will do because I have repeatedly tried to handle this matter amicably without involving courts.

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 2024-04-15 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX through XXXX  XXXX saying that the lender reported that I opened a new account with them, so I went to XXXX XXXXXXXX and saw that this information came from XXXX. Therefore, I logged onto XXXX to check, and it showed a new account opened on XX/XX/XXXX, with a balance of XXXX. I could not contact XXXX because their operating time was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called them on Monday, XX/XX/XXXX, to dispute this new account because I never opened a new account. Also, my credit is on lock with XXXX, so if anyone were to open an account, they shouldn't be able to do so unless it is unlocked. The rep checked, and my credit has been locked since XXXX, so I don't understand how anyone opened a new account. I had to call the creditors, and Citibank kept transferring me. Finally, the last person gave me a number for XXXX because this is the account that was opened, as it states on XXXX, and after checking they gave me the XXXX XXXX XXXX to file a complaint.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: FL

Complaint narrative:
I called XXXX XXXX XXXX XXXX on XX/XX/22 XXXX, at XXXX XXXX XXXX and spoke to customer service and advised them payments were being reported late negatively affecting my credit report. The payments that are being reported on my credit profile violate my consumer rights under FCRA Consumer Law 15 USC 1666B. As a long- time customer that has had exceptional payment history with XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval for other accounts. After speaking with XXXX customer service, they were not helpful and didn't listen to as a long-time customer. They advised me there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customers consumer rights. XXXX is tarnishing my name and credit profile by reporting these late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA

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 2024-04-15 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: WV

Complaint narrative:
I was reading my report on XX/XX/year> and saw a few inquires that weren't made by me I tried reaching out to all credit reporting agencies and even put in a complaint with ftc. 
INQUIRES XXXXXXXX XXXX XXXX XXXX I also realized that the credit reporting agencies were reporting incorrect outdated information as well the only address ive been residing in the past 2 years has been XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: U.S. BANCORP
State: TX

Complaint narrative:
In XX/XX/XXXX my house was totaled during a storm and my insurance paid me out the full policy amount ( {$380000.00} ) to rebuild it. Because I still owe money on the house they made the check out to me and my mortgage bank ( US Bank ). It was deposited in an escrow account on XX/XX/XXXX ( tracking number XXXX ). The first disbursement check for {$110000.00} was send with delay beginning XXXX and I was able to pay the mitigation company and what I owed my contractor so far. Bills were uploaded to the insurance claims account I have with US Bank. Ever since then they refuse to pay the second disbursement. The reason the longest time was that the floorplan was illegible. We uploaded it multiple times in different file forms. We even faxed it as requested. Everytime they said its illegible and that the have to rescan it back in which will take a business day. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX to resolve this issue. Every time the same answer. The floor plan is illegible, they have to scan it back in and this will take a business day. On XX/XX/XXXX I started to threaten with attorneys, demanded to speak to the manager. Then the person on the phone said that he spoke to the manager, he opened a complaint for me ( tix # XXXX ), and that they are sending a check over night. My question for how much the check is he didnt want to answer. It was for {$2900.00}. So I called again on XXXX to complain again and this time they told me that the floorplan was deemed legible and that a check is on the way. This check is for {$11000.00}. I owe my contractor {$60000.00} at this point and can not pay him.

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 2024-04-15 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: MI

Complaint narrative:
This company is reporting unauthorized unknown unverified accounts to 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 non-monetary relief
Consumer complaint received 2024-04-15 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
APPLIED FOR AN OPEN ENDED CHARGE CARD WITH AMERICAN EXPRESS AND WAS DENIED AFTER PROVIDING REQUESTED NFORMATION ON APPLICATION/ASSET BACKED SECURITY. THE APPLICATION WAS DENIED DUE TO HIGH CREDIT LIMITS, XXXX SCORE AND INNCURACTE INFORMATION ON CONSUMER CREDIT REPORTNG.WHICH WAS POVIDED BY THRID PARTIES I BELEIVE THIS IS DISCRMINATION AND FEEL AS IF THESE ARE DECEPTIVE PRACTICES BEING USE. I PROVIDED YOU WITH AN ASSET BACKED SECURITY AND YOU DENIED MY APPLICATION. THE APPLICATION/ELIGIBLE RECEIVABLE IS/WILL BE TRADED ON THE SECONADRY MARKET.I DONT WANT TO REPORT THIS AS SECURITY FRAUD. PLEASE DONOT MAKE ME REPORT TO SEC FOR SECURITIES FRAUD ALONG SIDE WITH HAVING MY ACCOUNT AUDITED. SEE UPLOAD

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
Formal Complaint against Celtic/CONFINCO Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint against Celtic/CONFINCO for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Celtic/CONFINCO placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. I hereby declare my revocation of all communication channels with Celtic/CONFINCO including text messages, emails, and phone calls. I insist on engaging through written correspondence. In line with my rights under the Fair Debt Collection Practices ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Celtic/CONFINCO provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Celtic/CONFINCO is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. The date on my consumer report indicating that I opened an account with Celtic/CONFINCO is blatantly false. I neither received any services nor products from this company. This information tarnishes my credit history and infringes upon my consumer rights. Moreover, it has come to my attention that Celtic/CONFINCO is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. The actions of Celtic/CONFINCO constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( C ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-s2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. Please keep me informed about the progress of this complaint, and I appreciate your attention.

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 2024-04-15 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: OH

Complaint narrative:
I checked my credit report and noticed my credit score dropped and I had a hard inquiry on my credit report from XXXX date XX/XX/2024 that I didn't authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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 formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: NE

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 non-monetary relief
Consumer complaint received 2024-04-15 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
upon looking at my credit card report i saw four different hits for this company Affirm INC that i never signed up for i called them and they said they could not trace the accounts and even said i seemed not to have them even though they are showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief