vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I wasnt able to get a job and chase decided to close my bank account even though I told them my situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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 found frivolous items on my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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 am writing to express my deep concern about the disputed accounts on my credit report. I have repeatedly reported inaccuracies in these accounts and have consistently requested thorough investigations. Despite my ongoing efforts, there has been no resolution or corrective action taken. These errors are significantly damaging my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these inaccuracies have caused me considerable hardship, leaving me with no choice but to urgently seek your assistance in rectifying this situation. 

I kindly request a comprehensive investigation into the reporting of each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I sincerely urge you to prioritize this matter and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: FL

Complaint narrative:
On XX/XX/year> I provided each credit bureau with a police report regarding fraudulent activity/accounts in my name. I asked them to please remove all erroneous accounts from my credit report because it is causing me a lot of problems. Its extremely hard for me to provide housing for my kids due to these errors in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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:
On XX/XX/year> I provided each credit bureau with a police report regarding fraudulent activity/accounts in my name. I asked them to please remove all erroneous accounts from my credit report because it is causing me a lot of problems. Its extremely hard for me to provide housing for my kids due to these errors in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been accused by my bank of fraud activity since XXXX I had my account I use it to get pay from my job and XXXX from family and friends I never had any warnings from my bank about any activities suspicious and suddenly they just closed it with out any additional information i understand i may not be able to use the same account again but I need a new account to get paid from my job if I ever do anything wrong I will take fully responsibility my account been closed since XX/XX/XXXX I got bill automatically with my account I don't know what should I do cause that's prevent me to get any account from any other Bank I need to know what is the cause of this

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 2024-08-15 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: NV

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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 2024-08-15 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: NV

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: NV

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2024-08-15 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: GA

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has removed an account that I am an authorized user on with a {$50000.00} ( Acct # XXXX ) limit from my XXXX XXXX  after I already spoke with a representative XXXX weeks ago and advised them the wrong account was being XXXX The representative have advised it would be closed. I never added that account to any XXXX XXXX submitted. An Experian employee added that account on their own which is fraud!!! This is ridiculous and they are making it hard for me to get in contact with them to have this rectified. I tried calling their numbers they have on their website to contact them and I can not get in touch with a representative ( XXXX ) and ( XXXX ). I fear I am being blocked because I've recently been challenging how they report items on my report and that is discrimination!!! This has caused my score to increase XXXX points and this is unacceptable!! Experian is not complying with and is breaking the law by not reporting accurate and updated information and this has been going on for a month now.

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 2024-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I stated that the debt that way owed is an identity theft on my name plus the statute of limitations on such debt has over ran it's course.

1. Section 16.004 of the Texas Civil Practice Remedies Code. The statute of limitations on debt in Texas is four years. 
2. Section 392.307 of the Texas Finance Code.

3. Title 12, Section 1006.26 and 1006.2 ( i ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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 found frivolous items on my credit report that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
Good day, Im writing because there was a negative reporting sent to the credit bureaus regarding a 30-day mortgage late payment. I was in the process of a refinance and the XX/XX/year> mortgage payment was included in the requested payoff amount. Apparently, the payoff amount that was sent to the Title company by Carrington Mortgage was incorrect due to a loan home insurance that was paid out on XX/XX/year>, which caused the payoff amount to change. As the customer, I was unaware that the payoff amount was incorrect. 

The Title company sent the initial payoff to Carrington Mortgage on XX/XX/year>, and Carrington Mortgage sent a response to the Title company on XX/XX/year>, to deny the payoff payment amount. The payoff payment amount was corrected and paid on the same day that Carrington Mortgage contacted the Title company with the denial. However, Carrington Mortgage reported this to the credit bureaus to reflect negatively on my credit reports which was no fault of mines.

I have never been 30-days late in renting or home ownership. I am disputing this crediting reporting and requesting removal of this incorrect 30-day late reporting from all credit bureaus. I have also requested this removal from Carrington Mortgage and it's pending a response. Thank you, kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: NE

Complaint narrative:
I noticed on my account XX/XX/year> that my credit there is unauthorized accounts that I do not recognize nor approve.

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 2024-08-15 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:
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 2024-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Over the last year several attempts on their website, phone and via email to XXXX have not produced an answer as to why a loan or of approximately {$250000.00} with XXXX XXXX had a principal balance in 2014 of over {$270000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: GA

Complaint narrative:
I found frivolous items on my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BWW Law Group, LLC
State: MD

Complaint narrative:
I am have been fighting forclosure for over 2 yeara and i am finally running out of options. Ive sent many negotiable instruments that have not been excepted by my mortgage company. I sent the XXXX XXXX XXXX for XXXX XXXX. a negotiable instrument in the amount of XXXX with NOTICE OF CLAIM TO INTEREST FIRST ATTEMPT on XX/XX/year> ( sent certified mail and accepted ) with the below instructions " I XXXX, XXXX-S/agent here on behalf of XXXX XXXX. I Hereby accept all Titles. All Rights, All Interest, and Guaranteed Equity owed to Principal XXXX XXXX. I hereby instruct CFO ( XXXX XXXX XXXX ) to apply Principals Balance to Principals Account # XXXX each and every billing cycle for set-off. Please apply this XXXX of payment to the account within XXXX business days after receipt of this notice. I also instruct CFO ( XXXX XXXX XXXX ) to communicate through writing if there is any discrepancies within XXXX business days. If no communication is made within XXXX business days after receipt of notice then I can assume that the aforesaid instruction have been completed. '' Then I sent another negotiable instrument-OPPORTUNITY TO CURE SECOND ATTEMPT XXXX XXXX delivered XX/XX/year> via XXXX Tracking number XXXX and another to XXXX certified mail on XX/XX/year> via usps Tracking # XXXX. 

I Received a letter from XXXX stating they have no connection to my property. I have not heard from XXXX ( XXXX, XXXX  or bbw law group ) accept to continue to state that i owe the same balance and if i don't pay they are moving to vacate my stay in my bankruptcy in and effort to forclose once again. The last motion was submitted XX/XX/year>. See screen of bankruptcy filing and last filing date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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:
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 2024-08-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I called to make a payment on Friday, XX/XX/year>, on XXXX of my XXXX accounts. And after I started asking some questions on how XXXX account was almost XXXX months behind when I maked monthly payments on it I was put on hold then transferred to a different person who then accused me of being aggressive when I call to make payments finally informed me after several minutes of questioning that I should " see '' that they were trying to help me by taking money I designated to be payed to my smaller loan account and instead payed it to my larger loan account and causing my smaller loan to be almost 2 months behind and extending the loan past the point of being paid off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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 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 2024-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Had loan 4 months sent 1st payment 1month early. 
Example : first payment due XX/XX/XXXX I aent this payment in XXXX Payment and overage was applied to principal. 
I called in to advise them All monies is to go toward monthly payments. 
Each month i have to call in To reallocate my payments Because its not being done.Im told weekly its being done and nothing now it shows pass due but thats incorrect. Speaking to different representatives all of them says... They are sending the request in thats all they can do XXXX even was threatened with repossession. They are getting aggressive with me because I keep calling.Ive spoken to 2 managers and requested for their Supervisor and again Im informed they are submitting the request..I just want my payments applied correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/year> I was charged XXXX {$35.00} overdraft fees. 
On XX/XX/year> - {$35.00} charge On XX/XX/year> - XXXX {$35.00} charges On XX/XX/year> - {$35.00} charge On XX/XX/year> - {$35.00} charge On XXXX {$35.00} charge On XX/XX/year> - {$35.00} charge Wells Fargo took nearly {$200.00} from me alone in the month of XXXX. 
I contacted Wells Fargo in XXXX about recovering fees they had taken from me and explained that I had experienced job loss in XXXX. The representative was able to refund XXXX of the {$35.00} charges and are not listed above due to being refunded. In XXXX when I had received MANY fees from Wells Fargo I contacted again and was explained that I would not be eligible for a refund for another XXXX  months. These are completely unfair and abusive practices by Wells Fargo. I am XXXX and being eaten alive in fees without being able to recover because Wells Fargo is taking more and more money from me, when I clearly have no money right now. My account is in the negative. These are abusive practices by this bank and they will get sued over this matter just like XXXX XXXXXXXX XXXX has. MY bank taking nearly {$300.00} from me in XXXX  days because I dont have any money due to a job loss?! ABSOLUTELY CRAZY.

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