vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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.

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 XXXX party. They in fact did not come from a XXXX 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 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 2024-05-08 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.

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 XXXX party. They in fact did not come from a XXXX 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 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 2024-05-08 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: WI

Complaint narrative:
After requesting my consumer report I notice unknown accounts that I did not authorize nor give consent to furnish to my consumer report. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: OH

Complaint narrative:
I always have a hard time receiving my check. My check was uploaded late and I have to pay bills and eat!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: NY

Complaint narrative:
I LOOK UPON MY CREDIT REPORT AND DISCOVERED THIS ACCOUNTS THAT NEED TO BE DELETED.

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 2024-05-08 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: GA

Complaint narrative:
Im writing to exercise my rights under section 609 of the Fair Credit Reporting Act. Im requesting information regarding the following accounts listed on my credit report : Account Name : XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX Account Name : XXXX XXXX XXXX According to section 609, Im entitled to all pertinent information regarding these accounts, including the original contract with my signature. If youre unable to find this information within the 30-day time limit, I request that you immediately remove the information from my credit report.

As proof of my identity, please confirm copy of my Social Security card, birth certificate, passport, W-2, electric bill, and rental agreement. Also included is a copy of my recent credit report, with the accounts in question highlighted.

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 2024-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Im writing to exercise my rights under section 609 of the Fair Credit Reporting Act. Im requesting information regarding the following accounts listed on my credit report : Account Name : XXXX XXXX XXXX XXXX Account name : Capital one Account Name : XXXX XXXX XXXX  According to section 609, Im entitled to all pertinent information regarding these accounts, including the original contract with my signature. If youre unable to find this information within the 30-day time limit, I request that you immediately remove the information from my credit report.

As proof of my identity, please confirm copy of my Social Security card, birth certificate, passport, W-2, electric bill, and rental agreement. Also included is a copy of my recent credit report, with the accounts in question highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: Williams & Fudge, Inc
State: GA

Complaint narrative:
Im writing to exercise my rights under section 609 of the Fair Credit Reporting Act. Im requesting information regarding the following accounts listed on my credit report : Account Name : XXXX XXXX XXXX XXXX Account name : XXXX  XXXX Account Name : Williams and fudge According to section 609, Im entitled to all pertinent information regarding these accounts, including the original contract with my signature. If youre unable to find this information within the 30-day time limit, I request that you immediately remove the information from my credit report. 

As proof of my identity, please confirm copy of my Social Security card, birth certificate, passport, W-2, electric bill, and rental agreement. Also included is a copy of my recent credit report, with the accounts in question highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: VA

Complaint narrative:
Vanderbilt Mortgage sold me mobile home under false pretense stating home was XXXX long when in fact it is only XXXX long and they refuse to make things right with me I was ripped off XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Loan # XXXX Current balance payoff {$1100.00} VANDERBILT MORTGAGE, I am writing to inform you that this XXXX XXXX XXXX home you sold me is actually XXXX foot long without the hitch the contract says it is XXXX foot long so you sold me a home under false pretense I am asking that you waive the remaining balance you say I owe to payoff this loan and release your lien and send me the title company have already consulted an attorney in regards to this matter this is a legal issue that you sold me a mobile home under the false pretense that it was XXXX foot long. The difference in the contract and the actual size of the mobile home decreases its value because the square footage is smaller the home is only valued at {$6800.00}. Please make a trip to XXXX and meet with me and measure this mobile home and you will see that it indeed is NOT the size or square footage that you led me to believe and you presented to me. I am not asking for anything unreasonable I am trying to be fair but I deserve to be treated fair in this situation please consider the {$7500.00} I paid on XX/XX/XXXX settlement in full. 

Yours Truly 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 2024-05-08 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
A hard inquiry from Bank of America hit my credit file today and I did not apply for credit through Bank of America so it was a fraudulent attempt to gain access and use my identity

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 2024-05-08 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: IL

Complaint narrative:
Recently I was in the market for buying a home and noticed a lot of errors on my credit report. I have been trying to get my debt validated from XXXX XXXX and XXXX XXXX for almost 2 years. XXXX XXXX is reporting a balance on a charged off account which is illegal and XXXX XXXX is reporting my account as open and with a balance although it was discharged in a bankruptcy in XXXX & they are actively trying to sue me I have disputed all this information with all the credit bureaus and no investigation has occurred or anything has been fixed. According to 15 USC 1681 Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. Experian, XXXX and XXXX are not doing their due diligence in finding inaccuracies 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 2024-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: TN

Complaint narrative:
My account was locked with no reasons were given. I made XXXX small initial deposit and nothing else since. Nothing about myself or my account was fraudulent. I asked Crypto.com repeatedly for my money to be sent back to my original payment method or via check to my personal address in which they both refused to do. My account remains locked and crypto.com refuses to respond or accommodate me in any way at all. I have emailed crypto.com directly multiple times requesting the same as well as got in line for chat support with no response or interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
As I predicted ( XXXX ) my credit score just dropped XXXX points directly due to Cit 's unwarranted reduction of my credit line. After bombarding me time and time again with offers to utilize my available {$5400.00} credit card, I utilized {$3300.00} to pay off another credit item. XXXX  days later the immediatly lowered my credit line. This will now create a domino effect that can impact all of my credit lines. This I believe is the " intended consequence '' of such actions and it should not be ignored. Please help to make this right. There was no logical reason for them to lower the amount available as nothing else has changed in my income or credit profile. I just want them to restore back to the initial credit limit that i have had for the past XXXX years. Thank you.

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 2024-05-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: VA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-05-08 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: CO

Complaint narrative:
Transunion is reporting a social security that does not belong to me. This social does not belong on my credit. This is Identity Fraud. This is preventing me to get a loan. This is causing me financial distress and will pursue legal action if not removed in a timely manner.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of thewrongperson.|

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: IN

Complaint narrative:
Upon reviewing again my XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: IL

Complaint narrative:
I am submitting this complaint after noticing unauthorized inquiries and personal information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX, Equifax Customer Accts XX/XX/XXXX, Equifax Customer Accts XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX, Equifax Customer Accts XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX, Equifax XXXX XXXX XX/XX/XXXX, Equifax XXXX Accts XX/XX/XXXX, Equifax Customer Accts XX/XX/XXXX, Equifax Customer Accts XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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:
I have fraudulent accounts reporting on my credit reports and have disputed them numerus times. I recently filed a police report regarding these fraud accounts and have confirmed they were received by all three credit agencies. Even with the Police Report I am begin told that they can not and will not be removed! An investigation has to take place and the creditors are the only ones who can remove and or block the accounts in question. This is not RIGHT!!!! I have XXXX  % proof of these fraud accounts not begin mine! 
All three Credit agencies have overwhelming proof of these ID THEFT/FRAUD ACCOUNTS. Creditors keep saying these accounts are mine but will not provide any proof or documents to substantiate these claims. The following accounts are fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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 have fraudulent accounts reporting on my credit reports and have disputed them numerus times. I recently filed a police report regarding these fraud accounts and have confirmed they were received by all three credit agencies. Even with the Police Report I am begin told that they can not and will not be removed! An investigation has to take place and the creditors are the only ones who can remove and or block the accounts in question. This is not RIGHT!!!! I have XXXX  % proof of these fraud accounts not begin mine! 
All XXXX  Credit agencies have overwhelming proof of these ID THEFT/FRAUD ACCOUNTS. Creditors keep saying these accounts are mine but will not provide any proof or documents to substantiate these claims. The following accounts are fraud. 
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 2024-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL

Complaint narrative:
I am not liable for this debt with ascent midtown, I do not have a contract with columbia debt recovery llc dba genesis, they did not provide me with the original contract as i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX. I am unaware of this debt, I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe that I've received proper notification please provide the certified mail with a receipt with my signature on it stating that I've received it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
After requesting my consumer report I notice unknown accounts that I did not authorize nor give consent to furnish to my consumer report. Please remove these account immediately.

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