vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: PA

Complaint narrative:
looked at my report back on XXXX XXXX, 2024, 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. 
this account XXXX XXXX  account number XXXX with a balance of XXXX $ .The open date is incorrectly the balance and credit limit was also not reported incorrectly and the XXXX account which is in collection is XXXX XXXX XXXX  account # XXXX With a balance of XXXX $ .The open date and last date of payment balance was not reported 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 non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
On XXXX XXXX  2024, I sent HYUNDAI FINANCE a letter of instructions to opt out the sharing of my personally identifiable information with nonaffiliated third party companies and individuals, stop sharing information about my creditworthiness with any affiliate or non-affiliate of their company. My demands were ignored and my personally identifiable information was continued being shared affecting my Right to Privacy.

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 2024-04-17 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: CA

Complaint narrative:
To whom it may concern I applied for an auto loan in the fall to only one company which is XXXX XXXX XXXX XXXX. I did not give consent to the dealership to use my credit for any other auto loans. I recently checked my credit report and was shocked to see numerous auto loan inquiries which I have no recollection of. I am assuming that they tried using my credit to approve any auto loans that they could with my report. I also submitted an Identity Theft Report to the Identity Theft website but have yet to see any progress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 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 2024-04-17 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: MS

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 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 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/year>, Chase closed my account & my fund are still being held. Originally my funds were being held because Chase needed to verify that the payee of the funds, XXXX XXXX, approved for the funds to be deposited into my account. After they verified XXXX on XX/XX/year>, I was told that it would take XXXX business days for my funds to be released & another XXXX business days for me to receive my check. My XXXX, also received a letter in the mail stating that a check would be mailed out in XX/XX/year>. On XX/XX/year> I learned that my case was closed & had to be reopened because there was an additional investigation being completed aside from the first one that was completed on XX/XX/year>. On XX/XX/year> I was told that the release of my funds was denied & there would be an additional investigation, so a third investigation. I was not told why or how long it would take for this investigation to be completed. XXXX are currently going through a financial XXXX due to Chase still holding out funds after the deposit was verified by XXXX. Chase has held my funds for over a month now & I still have no idea when or if I will receive them. This will be my third complaint & no resolution. I have been XXXX  due to the XXXX this entire ordeal has caused me. I have bills that are past due, that I have been trying to postpone waiting on Chase to receive my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am not responsible for this debt with JEFFERSON CAPITAL SYSTYM Account # : XXXX. I do not have any signed contract with them and they did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NC

Complaint narrative:
Hi Team, This is in continuation of the complaint I have raised against XXXXXXXX XXXX for incorrectly reporting my account as delinquent/defaulter with the credit agencies. 

I would like to add more information to my earlier complaint. I received a call again from XXXX XXXX on XX/XX/16 in evening hours EST. They confirmed that there were XXXX checks received. There was a stop payment issued on the first XXXX by XXXX. Then a second check was issued and received by XXXX XXXX. They enchased the check, however, they put into a wrong account and they are still reviewing this. It is the same conversation I have been having with them for last 2 months or so. The agent who spoke to me for over XXXX mins again kept apologizing for the mistake and said it it under review. 

I requested them for : 1. An escalation channel to get this request resolved 2. Establishing an email communication where they can inform me the status of escalation 3. Links/Notes/Transcripts of all the calls I had with them as they record all the calls. 

They did not agree to provide the notes. 

However, they said that they are going to talk to escalation teams and their supervisors who will call me to resolve this issue. 

I also mentioned to them that my credit score has been badly hit because of this and I am seeking a compensation for the same as I have had to spend enormous amount of time on this. 

I am adding all of this info and seeking your help in getting things expedited as the agents from XXXX financial keep calling me with the same info and they seem to get a bit impatient even after listening to them for XXXX mins yesterday

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 2024-04-17 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.

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 2024-04-17 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: TX

Complaint narrative:
Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have since XXXX 2022 tried to rectify this situation and showed cause that it was from XXXX XXXX all my information was stolen and hacked and stolen id social date of birth email addresses etc I've sent in police report to bureaus and ftc report time after time in which you refuse to remove this item from my report I understand the documents that was sent to me but that wasn't me yes they made payments etc that could've been anyone I am attaching once again a new ftc report along with police report id social and proof of address in which I've been at for over XXXX years.

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 2024-04-17 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: GA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: OH

Complaint narrative:
I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway -XXXX XXXX. I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within XXXXdays. During the investigation period, the item I am disputing must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: OH

Complaint narrative:
I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway -XXXX XXXX. I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within XXXXdays. During the investigation period, the item I am disputing must be removed from 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 2024-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I recently made a payment error to my Bank of America ( BofA ) mortgage account due to XXXX. I mistakenly paid from my old XXXX XXXX account instead of my new XXXX account. Upon realizing the error, I promptly notified BofA and made the payment over the phone, requesting that they make note of the situation. 

However, BofA is now refusing to accept electronic payments for the next year and insists on cashier 's checks to be overnighted for the next 12 payments. This poses a significant financial and logistical burden, especially given my current XXXX  issues. Despite offering to pay via wire or ACH transfer, BofA insists on cashier 's checks only. They will not accept in-person payment at a BofA branch XXXX Therefore, they are asking me to drive 2 hours away to my closest XXXX XXXX branch ( depending upon when the official transition of my particular account occurs ), then travel to a XXXX  or XXXX XXXX pay a {$120.00}. fee to overnight the check, and an additional unknown fee to insure it. I will somehow need to do this despite having a serious illness that prevents me from driving from time to time. BofA is telling me that I need to do this not one time, but each month for the next year. On top of this, they will be adding late fees, if something happens. 

While I acknowledge my mistake, I rectified it promptly and responsibly. It's not uncommon to overlook details when dealing with illness. BofA 's refusal to accommodate alternative payment methods, despite acknowledging my efforts to correct the error, is unreasonable. 

Moreover, my primary bank changed due to XXXX XXXX being acquired by XXXX, which should have been anticipated and considered by BofA. XXXX XXXX 's acquisition and the policy changes and account changes directly relates to the cause of my mistake. BofA has all of this information. BofA 's inflexibility creates unnecessary, expensive and unreasonable obstacles for me and likely others in similar situations. I urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and compel BofA to reconsider its stance, especially given the recorded call evidence of my proactive efforts to resolve the issue. I want all fees and indirect costs associated with this reimbursed.

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 2024-04-17 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: CITIBANK, N.A.
State: SC

Complaint narrative:
Our daughter went to an XXXX facility in XXXX, GA for medical care on XX/XX/XXXX and XXXX, 2024. They did not send her a bill. In less than a month, XXXX charged her credit card that she previously used without her knowledge or authorization this time. As the responsible party, I let Citi know of the issue and disputed the charges for being unauthorized. Although it is not Citi 's concern, the XXXX for XXXX 's medical care matched the amounts due ( {$120.00} and {$120.00} ) and I paid that bill with XXXX XXXX check # XXXX for {$240.00} and uploaded a copy of the check from XXXX XXXX online as proof of payment. Again, Citi was not even in the position to ask for proof of payment as the charges were unauthorized. XXXX put no effort into properly resolving the issue of payment. 

Citi allowed the dispute for {$120.00} but denied the dispute for {$120.00}. I can not get my head around their logic. I attempted to resolve with their online chat and was simply bounced from person to person until I gave up. No one there provided any help.

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 2024-04-17 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  acct XXXX and XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.

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