vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 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: IL

Complaint narrative:
I need your assistance regarding the false information being reported on my credit report. This matter is serious, as it has negatively affected my reputation, and I need your intervention. Your mishandling of my credit report has caused significant harm, and the incorrect reporting has damaged my standing. It's crucial that you remove these false details from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
see attached for full complaint Dear CFCB Team, I am writing to formally dispute a duplicate account listed on my credit report. Despite my multiple attempts to resolve this issue, the erroneous account remains. 

The account in question is listed as # XXXX XXXX XXXXXXXX XXXX  and it is a duplicate of another entry on my report. Enclosed are supporting documents that confirm this error. I kindly request that you review my file and remove the duplicate to ensure my credit report accurately reflects my credit history. 

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

I Have enclosed XXXX forms of identification to prevent any further stall tactics. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Supporting Documentation ]

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 2024-10-13 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: NC

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I have had fraudulent charges made to XXXX XXXX XXXX under my name. Credence Resource Management claims to own the debt. I contacted XXXX XXXX XXXX and asked about charge offs. Per XXXX XXXX XXXX, they do not sell their debt and they use a company called XXXX XXXX to help recover any debts. I do not recognize Credence. They have multiple addresses and the address on my XXXX credit report is incorrect. I sent a certified letter with return receipt to their XXXX location and it still has yet to be delivered. I am not certain there is a legitimate business at their XXXX XXXX supposed location. Credence had XXXX alleged debts for me from XXXX XXXX XXXX and XXXX of them had to be removed from my credit report because they could not prove the debt was mine. I believe they are trying to collect on the other account they claim I owe fraudulently like they did before. This company should be investigated for deceptive and untrue claims. They should also be investigated for their right to even collect debts as I think this is a scam company. I filed a FTC Identity Theft Report and plan to file a local police report this week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-13 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-13 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-13 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-13 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: NC

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-10-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Security National Financial Corp
State: UT

Complaint narrative:
Refinanced mortgage XXXX XXXX XXXXXXXX, loan XXXX charged XXXX origination and all other loan fees. I feel she was being predatory as XXXX XXXX and she was trying to take advantage of me, she ended up giving me a credit back due to exceeding section XXXX guidelines. Then she continued to harass me after closing after I told her not to contact me ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: IL

Complaint narrative:
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 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 2024-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have a capital one shopping rewards account under email XXXX I redeemed 3 gift cards so far and I used everyone of them so they cant claim I resold them when I can show proof I used them but anyways I can no longer use my cash back which is over XXXX XXXX  I might add to redeem for anymore gift cards. At this point they are stealing my money and that is a felony. Im close to getting legal help. I just want to be able to spend my cash back is all so Im not sure why they are giving me a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-13 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: IL

Complaint narrative:
I need your assistance regarding the false information being reported on my credit report. This matter is serious, as it has negatively affected my reputation, and I need your intervention. Your mishandling of my credit report has caused significant harm, and the incorrect reporting has damaged my standing. It's crucial that you remove these false details 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 non-monetary relief
Consumer complaint received 2024-10-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
During refinancing, the company currently holding my mortgage ( PennyMac ) wanted to compete with another offer I received. I was contacted by XXXX XXXX - Loan Officer ( NMLS ID # XXXX ) with PennyMac NMLS ID # XXXX. 

XXXX told me that they could provide a competitive offer at a lower interest rate, but in order to provide me with an estimate, they needed to run my credit. I told him that they should be able to provide a loan estimate without that. He confirmed that he needed my information for his system to produce an estimate. So I told him, only run my credit if you can provide a competitive offer. He confirmed they could so I authorized the credit check. 

I then received a complete mortgage application in my email, ready to be signed, disclosures and all. While looking through the documents, I saw the loan estimate and it was no where near competitive. It looked as though it had charges hidden to trick me into signing a worse deal, with no explanation from XXXX. I tried reaching him for two days and couldnt get a response. Eventually I got in touch with him and told him this was not ok and that I wanted these documents rescinded. As of writing this, that still hasnt happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
TODAY I RECEIVED A NOTICE IN THE MAIL DATED " XXXX XXXX XXXX '' stating ..... 
" Dear XXXX XXXX Based on a recent review of your Barclays XXXX XXXX XXXX which included info that we obtained from an indep consumer reporting agency, we have reduced your credit line to {$14000.00} This decision was based on the following reasons : proportion of balances to credit limits too high on revolving accts excessive amount owed on revolving accounts '' ( THEN IT GOES ON TO COMPLETELY CONTRADICT ITSELF ENTIRELY ; ) " The consumer reporting agency that provided info that INFLUENCED OUR DECISION IN WHOLE OR IN PART WAS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' ( BUT THEN AFTER IT IMMEDIATELY SAYS ) " the reporting agency PLAYED NO PART IN OUR DECISION AND IS UNABLE TO SUPPLY SPECIFIC REASONS WHY WE HAVE TAKEN THIS ACTION '' ... ..... 

( THEN ON THE BACK OF NOTICE IT STATES ) Key factors that adversely affected your XXXX XXXX : proportion of balances to credit limits too high on revolving accts excessive amount owed on revolving accounts proportion of loan balances to loan amount is too high too many accts with balances FIRST- the Equal Credit Opportunity Act ( ECOA ) prohibits creditors from discriminating- ( the ability to discern what is of high quality ; good judgment or taste. ) based on your XXXX XXXX or other protected characteristics : So for them to even look at my XXXX XXXX as any deciding factor is unjust. 

SECOND- They are literally contradicting themselves on paper, trying to confuse the consumer so they don't get in trouble admitting they are doing unjust practice using my score and report to make decisions. First they say the information was the baises then they say it had no part... 

THIRD- If part of the problem is the proportion of loan balances to loan amount is too high and the proportion of balances to credit limits too high, Then lowering my credit limit, WITHOUT WARNING OR TIME TO ACCOUNT AND ADJUST the balance IS contributing to my balances being too close to my credit limits. WHICH in turn is going to lower my XXXX XXXX more and possibly cause a snowball effect of issues with all my Credit card accts. I had XXXX limit and now they are lower it to XXXX when i have a balance of XXXX! HAD i known this was going to take place i would not have maxed out the card! but now the card is maxed- 100 % debt utilization. WHICH looks worse then the revolving 85 % debt utilization. 

INSTEAD, WHY DIDNT THEY LOOK at their SYSTEM and SEE I HAVE NEVER MISSED A PAYMENT! NEVER PAID LATE! In ALMOST 10 years of owning the card.

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 2024-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
below is my loan status. I have had these loans since XXXX. The interest is over 13 %. Im paying over {$360.00} per month. It is not reducing. I have called to let them know that my father should be taken off my loans which they never have done. He is now deceased for over a year and hes still on my loans. These are not obtainable to repay. I was unaware in my XXXX that the interest rate was going to be so high nor was, I aware that these monthly payments were going to be so high. This is not my only student loan. I am only a XXXX which is now not XXXX due to Covid. And I am struggling to make these payments. Below is my full loan history/status. This is a bad loan that can never be paid off without going bankrupt!!!!!!!! I can not believe theyre allowed to give someone such a debt that can never be paid when youre trying to start your career and do the right thing by going to college just to drown in debt that is more than what you get paid annually. I also have a child that is about to go to college in four years. 

Loan Status Repayment Repayment Plan Full Principal and Interest Repayment Start Date XX/XX/XXXX Estimated Payoff Date XXXX/XXXX/XXXX Ready to pay off this loan today? 
Here are the amounts : Online {$23000.00} By U.S. Mail {$23000.00} Unpaid Principal {$23000.00} Unpaid Interest {$180.00} Current Balance {$23000.00} Interest Rate 13.250 % Interest rates on private loans are set by the lender. 
Interest Type Variable Total Accrued Interest {$17000.00} Loan/Borrower Benefits Option Automatic Debit Benefit Status Awarded XX/XX/XXXX Loan Type PRIVATE School XXXX XXXX XXXX  Current Owner NAVIENT PRIVATE LOAN TRUST Disbursement Date XX/XX/XXXX Original Principal {$23000.00} Cosigner XXXX XXXX XXXX

Company response to consumer: Closed with explanation