vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 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: The CMI Group, Inc.
State: ME

Complaint narrative:
XXXX XXXX notified me that a derogatory information was filed under my account. 

You have a new derogatory mark on your credit report Detected on XX/XX/2024 Lender : CREDIT MANAGEMENT LP Balance amount : {$680.00} Opened on : XX/XX/2024 Phone number : XXXX XXXX XXXX XXXX When I called and asked what this report was about, she would not tell me unless I gave her my name and address, which I did. Then she demanded my birth date and social security number. I told the person that I am not going to, she kept on insisting/demanding that I do or she will not tell the info. After several going back and forth, I had to end the conversation, Then I received another notification from a credit card monitoring service that I had a change in credit score. When I opened XXXX, my score dropped XXXX points. 

I filed the dispute with XXXX on the morning of XX/XX/XXXX. Then I called CFPB on XX/XX/XXXX and received instruction on how to file a complaint,

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 2024-09-06 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 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 non-monetary relief
Consumer complaint received 2024-09-06 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened a credit card in XXXX at XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXXXXXX. The banker sold me, saying the card was 0 % on purchases and balance transfers for 12 months, along with 1.67 % cash back on purchases. I received the card, put my vacation cruise on it and was charged interest on my XXXX bill. I spoke with XXXX at the branch and was told the banker had clicked the wrong card, giving me the balance transfer promotion only. After a month of working with XXXX, he called on XXXX and stated he and his Regional Manager had a solution ; opening a new card to do a balance transfer, waiving all fees and interest. I opened the new card on XX/XX/XXXX and began what I thought was the process of the balance transfer. I was then called Thursday XX/XX/XXXX by someone in XXXX XXXX XXXX  and told that since they could not find a " bank error '', they would no longer be making the balance transfer or refunding any interest. I now have 2 credit checks, 2 new account hits on my credit, 1 closed account with a {$3800.00} balance and 1 open credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-06 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: MA

Complaint narrative:
Consumer name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of birth : XX/XX/XXXX. Contains of complaint : This CFPB has been filed to request pursuant to FCRA section 605B ( 15 U.S.B. Section 1681c-2 ) that you, the XXXX credit reporting agency , Block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 Buisness days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of hard inquires at XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX And XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I Do Not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, or hard inquirys appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquirys are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint # XXXX, # XXXX, # XXXX as Proof from the US federal trade commission that all of the aforementioned consumer credit accounts, collections, or hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: MA

Complaint narrative:
Consumer name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of birth : XX/XX/XXXX. Contains of complaint : This CFPB has been filed to request pursuant to FCRA section 605B ( 15 U.S.B. Section 1681c-2 ) that you, the XXXX credit reporting agency , Block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 Buisness days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of hard inquires at XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, now XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX And XXXX XXXX  on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I Do Not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, or hard inquirys appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquirys are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint # XXXX, # XXXX, # XXXX as Proof from the US federal trade commission that all of the aforementioned consumer credit accounts, collections, or hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2024-09-06 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
In XXXX I performed junk removal service for a customer and was offered a {$20.00} tip bu the customer if I had a Venmo account. I immediately signed up for Venmo service and received the {$20.00} tip into the Venmo account as expected from the customer. As part of Venmo sign up process I had to verify identity using Drivers License photo, which was successful according to Venmo. I then tried to link and account to transfer the Funds out and venmo suspended my account preventing access to my funds. They demanded my ID again to release suspension. I have submitted my drivers license to Venmo numerous times over the previous 9months and have submitted dozens of requests for release of suspension and if I receive any response at all it is simply that I need to submit ID, which I have done numerous times to no avail. They refuse to assist in anyway and I have demanded the release of my funds on many occasions. I just want access to retrieve my valid funds and to delete the account and never do business with this corrupt organization again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
To Whom It May Concern : JP Morgan Chase Bank NA, closed all my credit cards without notice while I was traveling. I was stranded, embarrassed, and harassed for not having a working credit card despite the cards working for pre authorization. 

Without notice, JP Morgan Chase Bank NA, closed the following cards which I have used for nearly XXXX years interrupting my personal and business banking for no reason. 

XXXX XXXX ( Annual fee ~ {$600.00} x XXXX years_ XXXX XXXX ( Used for Business Purchases in the amount of ~ $ XXXX ) XXXX  XXXX ( Used for XXXX ) XXXX XXXX etc. 

There was no communication regarding the account closure. In fact, I reached out to my Private Client Banker " Branch Manager '' XXXX XXXX and " XXXX XXXX '', XXXX XXXX without a response despite numerous phone calls and emails. 

I also asked for signed terms and conditions since I have been a XXXX XXXX customer since XXXX. Nothing was provided. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

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 2024-09-06 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: TX

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

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 2024-09-06 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: LAKEVIEW LOAN SERVICING, LLC
State: DE

Complaint narrative:
Subject : Urgent Assistance Required : Inaccurate Reporting of Paid Mortgage and Collection Account Dear Consumer Financial Protection Bureau, I am reaching out to request your urgent assistance regarding persistent inaccuracies on my consumer credit profile. Specifically, these inaccuracies involve the reporting of my mortgage account by my previous mortgage servicer, Lakeview Loan Servicing, as well as related issues with a collection agency. Despite having paid off the mortgage in full, the balance remains incorrectly reported, and I am facing complications due to erroneous collection account entries. 

I have successfully settled the balance of my mortgage with Lakeview Loan Servicing. However, the account has not been updated to reflect that it is paid in full. Instead, it continues to show an outstanding balance, which is misleading and damaging to my credit profile. Furthermore, the account was erroneously sent to collections, and this collection account has also been reported with inaccuracies. I have provided the credit bureausXXXX XXXXXXXX, and XXXX detailed documentation, including proof of payment and correspondence from Lakeview Loan Servicing, to substantiate these discrepancies. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to investigate disputes regarding the accuracy of information on a consumers credit report. The FCRA mandates that if the information can not be verified or is found to be inaccurate, it must be corrected or removed. Additionally, Section 605B [ 15 U.S.C. 1681c-2 ] requires the removal of information that can not be verified within the prescribed timeframe. Given that I have demonstrated the inaccuracies and provided evidence of the paid mortgage balance, these inaccuracies should be addressed accordingly. 

Despite my efforts to resolve these issues directly with the credit bureaus and the involved collection agency, the inaccuracies persist, adversely affecting my credit profile. I respectfully request the Consumer Financial Protection Bureaus intervention to ensure that these errors are corrected in compliance with the FCRA and that my credit report accurately reflects the true status of my accounts. Your prompt assistance in rectifying these matters would be greatly appreciated. 

Thank you for your attention to this critical issue. Please let me know if you require any additional information or documentation to facilitate the resolution of this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX XXXX 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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-09-06 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:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2024-09-06 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:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2024-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PINNACLE RECOVERY, INC.
State: FL

Complaint narrative:
i have a timeshare account which they took payment every month from my credit card, the stop taking payments which i resolve it with the timeshare that is XXXX XXXX XXXX. now they send me a collection of {$590.00} which they claim is from the monthly due from maitenance fee which i dont own. please help me deal with this fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: DE

Complaint narrative:
Subject : Urgent Assistance Required : Inaccurate Reporting of Paid Mortgage and Collection Account Dear Consumer Financial Protection Bureau, I am reaching out to request your urgent assistance regarding persistent inaccuracies on my consumer credit profile. Specifically, these inaccuracies involve the reporting of my mortgage account by my previous mortgage servicer, XXXX XXXX XXXX, as well as related issues with a collection agency. Despite having paid off the mortgage in full, the balance remains incorrectly reported, and I am facing complications due to erroneous collection account entries. 

I have successfully settled the balance of my mortgage with XXXX XXXX XXXX. However, the account has not been updated to reflect that it is paid in full. Instead, it continues to show an outstanding balance, which is misleading and damaging to my credit profile. Furthermore, the account was erroneously sent to collections, and this collection account has also been reported with inaccuracies. I have provided the credit bureausXXXX XXXXXXXX, and TransUnionwith detailed documentation, including proof of payment and correspondence from XXXX XXXX XXXX, to substantiate these discrepancies. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to investigate disputes regarding the accuracy of information on a consumers credit report. The FCRA mandates that if the information can not be verified or is found to be inaccurate, it must be corrected or removed. Additionally, Section 605B [ 15 U.S.C. 1681c-2 ] requires the removal of information that can not be verified within the prescribed timeframe. Given that I have demonstrated the inaccuracies and provided evidence of the paid mortgage balance, these inaccuracies should be addressed accordingly. 

Despite my efforts to resolve these issues directly with the credit bureaus and the involved collection agency, the inaccuracies persist, adversely affecting my credit profile. I respectfully request the XXXX XXXX XXXX XXXX intervention to ensure that these errors are corrected in compliance with the FCRA and that my credit report accurately reflects the true status of my accounts. Your prompt assistance in rectifying these matters would be greatly appreciated. 

Thank you for your attention to this critical issue. Please let me know if you require any additional information or documentation to facilitate the resolution of this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, DE XXXX XXXX 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