vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Unfortunately, the issues with my account remains unresolved. Specifically, there has been no audit provided, and XXXX of my payments still has not been credited to my account as required. 
I have bank statements which clearly support the payments that have not been credited. The missing payments would bring the total amount Ive paid to {$1000.00}. However, my account only reflects a total payment amount of {$570.00}, which is incorrect and might be due to the selling of my original loan. 
To clarify, the payments made are as follows : On XX/XX/XXXX, a payment of {$210.00} was credited to my account with XXXX XXXX XXXX. 
On XX/XX/XXXX, an additional payment to XXXX of {$200.00} was credited, bringing the total to {$420.00}. 
On XX/XX/XXXX, a payment of {$200.00} was made to Shellpoint. 
On XX/XX/XXXX, I made XXXX payments of {$190.00}, XXXX of which was credited to Shellpoint and the other to Newrez. 
Additionally, I did not receive any timely communication from Shellpoint regarding this issue, and my account has now been placed in past-due status. The lack of response to me in a timely manner is a significant failure in customer service. 
I am requesting an immediate correction to my account to reflect the accurate payment history and ensure that my future payments are processed correctly.

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 2024-09-27 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: GA

Complaint narrative:
Reviewing my credit report recently, I discovered fraudulent accounts I did not own, preventing me from obtaining credit. Please remove from my file.

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 2024-09-27 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2024-09-27 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
A ticket vending company charged my American Express card over {$2000.00} for a purchase that I never made. I received an email alert from American Express because the purchase was so large, and within minutes I contacted the ticket vendor to alert them of the fraudulent charge. The vendor acknowledged that I had not made the charge but stated that it was unable to cancel it at this stage, a mere 18 minutes after it was purportedly placed. The vendor suggested I contact American Express to halt the charge ( which still showed as " pending '' ), which I immediately did. Despite the vendor having advised that they were unable to cancel the fraudulent charge when I contacted them within 10 minutes of it appearing, the American Express agent stated that they also could not stop the still " pending '' charge made less than 30 minutes prior, and that the charge can be canceled from the merchants end only. So, rather than blocking the still pending charge, American Express simply marked the charge for monitoring '' and instructed me to dispute it when it finally posted. I did so, but American Express baseless sustained the charge after shuffling me back and forth between their customer service disputes department ( which claimed it was a fraud issue ) and their fraud department ( which nonsensically claimed it could not be treated as fraud because I had done business with this vendor in the past, and therefore was a a disputes department issue ). 

On XX/XX/year>, I resubmitted the dispute to American Express with a letter detailing the series of events and providing all relevant attachments ( Exhibit A ). On XX/XX/year>, at XXXX XXXX., I received an email from American Express acknowledging the re-dispute and stating that " the amount of {$2000.00} has been placed on hold and you will not be responsible for this while our investigation is in progress. '' ( Exhibit B ). XXXX minutes later, I received another email from American Express stating : " During our investigation, we determined that this case should be handled by our Fraud department. As soon as they have reviewed your account, they will contact you directly. At the beginning of this investigation, we removed the amount ( s ) under review of {$2000.00} from your account. Since this concludes the Customer Service investigation, we have reapplied the amount under review to your account, which will reflect on your upcoming statement. '' ( Exhibit C ). American Express then re-billed the fraudulent charge, but I was never contacted by the Fraud department as promised, and have not received any evidence that the fraud department even conducted any investigation at all. 

American Express is acting illegally and in bad faith by refusing to reverse this plainly fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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:
This morning, I discovered unauthorized inquiries on my credit report without explanation. I checked my credit report like I always do, but this time I was shocked to find these inconsistencies. After refreshing the browser in hopes of a glitch, the inquiries still appeared. Im really upset by this and need the documents Ive submitted to be thoroughly reviewed immediately so I can stop worrying about it.

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: CA

Complaint narrative:
it is XXXX duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting XXXX inaccurate late payment for the XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/year>. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in Experian violating my federally protected consumer rights. To add to this, I did NOT give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination

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 2024-09-27 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: NJ

Complaint narrative:
In accordance with 15 USC 16c-2, Ive identified inaccurate details on my credit report that are harming my credit standing. The hard inquiries were not authorized by me.

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 2024-09-27 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: U.S. BANCORP
State: WA

Complaint narrative:
Last year I noticed a {$16.00} charge on my card from XXXX XXXX  ''. I called US Bank and they found it has been charging monthly for several months. I asked that it be removed, they opened a Fraud complaint and sent me a new card. After 2 months I found the same charge on the new account. I complained again, they said they opened another fraud investigation and sent me another new card. Last month the charge was there again and I complained. I did not want another new card, as that doesn't seem to help. This month the charge appeared twice. When I called I was told that they would open a fraud investigation and would send another card. I asked that they credit my account, not to send a new card and to cancel the one I have. I don't understand how the same charge can appear on 3 different cards if they had truly stopped the charge and investigated 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 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank XX/XX/year> - XXXX unauthorised transaction on my chase debit card account of XXXX ) {$190.00} XXXX ) {$190.00} XX/XX/year> - Called chase bank, filed a claim XX/XX/year> - Denied the claim without giving any evidence. Called customer support and they failed to provide any assistance. Were absolutely clueless. 

Current status- claim denied XXXX XXXX XXXX XX/XX/year> - XXXX unauthorised transaction on my XXXX XXXX XXXXXXXX XXXX XXXX account of XXXX ) {$190.00} XXXX ) {$72.00} XXXX ) {$140.00} XX/XX/year> - transaction involving {$140.00} was cancelled Current status - investigating claim

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: TX

Complaint narrative:
I recently took a close look at my credit report and was shocked to find multiple items that are incorrect, unverifiable, and seem highly questionable. These errors have caused me a lot of stress, and its clear that your agency hasnt done enough to ensure that the information being reported is completely accurate, which is required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I purchased a shower door ( and other items ) from Home Depot via their store card. The door did not arrive at the store for pickup, employees looked for around half an hour and sent me home to call online customer service. I called customer service and they sent a new door directly to my address with the promise to refund the prior purchase. However, the purchase was never refunded. I disputed the charge and sent the invoices and customer service contacts I had. The card servicer said since I couldn't prove I didn't pick it up, the charge was valid and I should pay for merchandise I did not receive. They have since sent the account to collections, and it is damaging my 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 non-monetary relief
Consumer complaint received 2024-09-27 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: NY

Complaint narrative:
This is stressing me out, my loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my Credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

XXXX XXXX XXXX report wrong information to credits buries : Equifax, XXXX and XXXX, there are some discrepancies between those reports, and I need accuracy in my reports. If it is impossible for you to clarify this account please remove it from my consumer report, thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: FL

Complaint narrative:
Recently I looked at a copy of my Credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

XXXX XXXX XXXX report wrong information to credits buries : XXXX, Experian and XXXX, there are some discrepancies between those reports, and I need accuracy in my reports. If it is impossible for you to clarify this account please remove it from my consumer report, thanks!

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 2024-09-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Hello, On XX/XX/XXXX I got in a car accident with another vehicle. It was not my fault. My car is not paid off yet. I own {$25000.00} to TOYOTA FINANCIAL SERVICES. I have full coverage insurance on my car and my insurance ( XXXX ) is going to pay settlement {$22000.00}. Another vehicle does not have full coverage, so they will pay only health payments because I and my wife were injured in this crash. The problem is I can not pay off my car, and i am going to loose all my money i already paid for it. I paid {$7.00} down payment and made 11 monthly payments for {$550.00} per month. It is really hard situation for our family. We moved to US 3 years ago, so any help would be appreciated. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: AZ

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 inquires 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. ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation