vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX : XXXX DOB : XX/XX/XXXX The purpose of my letter is to dispute the following inquiries that are wrong and unauthorized. Please remove them from my Equifax credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
I am writing to address several issues I have encountered with the credit bureau, including inaccurate account listings, unauthorized inquiries, errors in credit reporting, and billing discrepancies. I kindly request your assistance in resolving these matters to protect my financial well-being.

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 2024-12-17 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: CA

Complaint narrative:
I am writing to address several issues I have encountered with the credit bureau, including inaccurate account listings, unauthorized inquiries, errors in credit reporting, and billing discrepancies. I kindly request your assistance in resolving these matters to protect my financial well-being.

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 2024-12-17 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This isXXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-17 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: LEXISNEXIS
State: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX. Opened XX/XX/XXXX balance of {$480.00}. XXXX XXXX Opened XX/XX/XXXX balance of {$480.00}. XXXX XXXX XX/XX/XXXX balance of {$780.00}. XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX balance of XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: OK

Complaint narrative:
I am seeking your assistance with a false account appearing on my credit report. This matter has harmed my reputation as a customer, and I need your support. I want these accounts removed as they are incorrectly and negatively reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Hatfield, Inc.
State: TX

Complaint narrative:
The company Grid offers a debit card that acts as a credit line as well. For the last 6 months I have been unable to use the card due to the fact that they are having issues with their payment method processor. During this time they have continue to charge me a XXXX dollar subscription fee and state that I am not allowed a refund on those funds until loan payments are made, Ive asked if those funds can be used towards the loan balance and close out the account so I can stop these charges as I am not allowed to adjust the bank that they charge till the loan is also paid back. They are making it difficult for me to get those funds back or to close the account, I shouldnt be charged monthly for a service that I can not use this is unfair and deceptive

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally submit a complaint against Experian regarding my inability to access my credit report, despite multiple attempts to do so. 

As a consumer, I understand my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to access my credit report. I have made several efforts to obtain my credit report from Experian, including calling, emailing, website submissions. ( dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

However, despite my efforts, I have been unsuccessful in obtaining my report. This has caused me significant inconvenience and concern regarding my credit status. 

I request your assistance in addressing this matter. I believe Experian is in violation of the FCRA by not providing me with access to my credit report as mandated by law. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-12-17 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification :. XXXX {$720.00} XX/XX/XXXX. 
XXXX XXXX {$470.00} open XX/XX/XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification :. XXXX {$720.00} XX/XX/XXXX. 
XXXX XXXX {$470.00} open XX/XX/XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

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 2024-12-16 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: MI

Complaint narrative:
I initially disputed the inaccurate reporting of a vehicle repossession, which I confirmed occurred in XX/XX/XXXX. However, following your investigation, I noticed that even more incorrect information has now appeared on my credit report. 

Specifically : The repossession was inaccurately reported as occurring in XX/XX/XXXX now its being reported as XX/XX/XXXX after the investigation, which is not only false but impossible, as we are currently in XX/XX/XXXX. 
This new, incorrect reporting compounds the original issue and continues to unfairly damage my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is accurate, complete, and fair.

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 2024-12-16 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-16 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-12-17 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT!! 

Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX  XXXX XX/XX/XXXX - Balance : {$340.00} UNAUTHORIZED INQUIRIES : XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXXXXXX NA XX/XX/XXXX XXXX XXXXXXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX NA XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT!! 

Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$340.00} UNAUTHORIZED INQUIRIES : XXXX XXXX NA XX/XX/XXXXXXXX XXXX  XXXX NA XX/XX/XXXXXXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXXC XX/XX/XXXX XXXX  XXXX NA XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Subject : Notice of Error I am writing to formally address the numerous issues I have encountered with my mortgage account 1. Unjustified Increase in Monthly Payment o My monthly mortgage payment was increased from {$1300.00} to {$1900.00} without prior notice. These amounts were debited from my account on XX/XX/XXXX and XX/XX/XXXX. 
o After numerous calls, Newrez representative informed me this increase was due to lender-placed insurance of {$610.00} per month, which was applied despite my own insurance coverage being effective from XX/XX/XXXX to XX/XX/XXXX and renewed for XX/XX/XXXX to XX/XX/XXXX. 
o This action was taken in error, as proven by Newrez letter dated XX/XX/XXXX, which confirmed the removal of the lender-placed insurance. 
2. Mishandling of Payments o Starting XX/XX/XXXX, I resumed making my regular monthly payments of {$1300.00} via manual payments instead of automatic withdrawals. Instead of applying these payments to my account, Newrez retained the funds and marked my account as past due at {$1900.00} each month. 
o This error has caused my account to be reported as delinquent to major credit bureaus, significantly impacting my credit score.

3. Excessive Payment Made Under Duress o On XX/XX/XXXX, I made a payment of {$3900.00} upon the recommendation of Newrez representative, XXXX XXXX, in an attempt to mitigate further damage to my credit. This amount was excessive, as I have consistently made my correct loan payments on time every month. 
4. Credit Damage and Financial Impact o Due to Newrez errors, my credit score has dropped from XXXX to XXXX, which has severely affected my ability to secure a new loan for a significant investment opportunity, resulting in substantial financial loss. 
XXXX. Emotional and Physical Toll o Over the past several months, I have spent countless hourseach call lasting one to two hoursattempting to resolve these issues. The prolonged stress and inconvenience have taken a considerable physical and mental toll on me.

6. Acknowledgment of Newrez Mistake o Newrez letter dated XX/XX/XXXX acknowledges that the lender-placed insurance was applied in error. Despite this admission, I have had to endure unnecessary hardship due to Newrez erroneous actions. 
Requested Resolution Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: PA

Complaint narrative:
I applied for a Macy 's credit card & used it that same day towards the end of XXXX to purchase my daughters homecoming shoes. I ONLY used it that day because the card never came in the mail. I call & complained that it never showed up. The person I talked to said there are charges of $ XXXX and XXXX other charges of $ XXXX. I explained I never made those purchases & the only purchase I made was the same day the card was opened. She claimed she updated my address ( not sure why it was different from what I typed in their machine at the store to apply for the card ) She then said they'd send a replacement card. I did get a card in the mail. & assumed everything was fixed. I went to use my card today ( XX/XX/16 ) & it was declined. I called & was told my total charges are $ XXXX when I never made ANY of these purchases! There was additional $ XXXX added onto my credit card account! They're telling me it'll take XXXX more months to get this fixed & I've had issues since 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 monetary relief
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

And according to 15 USC 1681s-2 they are suppose to 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 2024-12-17 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief