vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 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: PA

Complaint narrative:
I was horrified to discover inaccurate accounts on my credit report today, and I have no idea how they got there. Im used to reviewing my credit report, and out of nowhere, these errors popped up. I thought maybe it was a browser glitch, but refreshing did nothing. I really need the documents I sent to be reviewed properly, so this nightmare can finally end.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX Account Number : XXXX Balance : {$300.00} XXXX Account Number : XXXX Balance : {$0.00} XXXX Account Number : XXXX Balance : {$0.00} XXXX Account Number : XXXX XXXX Balance : {$0.00}

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 2024-10-05 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: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon examining my credit report, I discovered multiple billing mistakes. The late payments do not correspond to my regular payment pattern.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon examining my credit report, I discovered multiple billing mistakes. The late payments do not correspond to my regular payment pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: LAKEVIEW LENDING LLC
State: CA

Complaint narrative:
on XX/XX/year> I opened refinancing with Loan Officer XXXXXXXX XXXX XXXX XXXX things was going well until XXXX XXXX of Lakeview Lending called me out of the blue saying he would beat Loan officer XXXX quote of XXXX XXXX He sent me a quote 6.62 % single family XXXX XXXX XXXX, XXXXXXXX XXXX and 6.62 % commerical XXXX XXXX XXXX XXXX, XXXX, I went with him and it was the biggest mistake. Before closing he asked me to pay the taxes for the XXXX properties about {$12000.00} that it is XXXX XXXX policy otherwise he can not close escrow and at closing the money would be refunded to me. He asked the insurance broker to make a new policy and send the bill to escrow she did saying it will be paid at closing, he asked me to pay the appraisal fee and i would be funded at closing, he lied to be about the interest by quoting me 6.62 % even when he was going through the closing document He showed me 6.62 % for commercial. He showed me a different document but at closing he produces a different document after i have trusted him and the document shows 7.72 %. Had lakeview lending showed me 7.72 % when he was going through the documents with me before signing i would have cancelled the transaction. Interest rate was going down i was not in hurry. He is a crook.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/year>, I received a message from Chase bank stating that my business account ending with XXXX are restricted and the email asked me to call the bank to address the issues. I called the bank right away and they said the account are already closed. I dont know whats going on. The customer services didnt share with me why and they insisted that the bank just closed my account. So far, I still dont know what issues are with my bank account. I would request bank to share the details with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The account with XXXX  XXXX XXXX was previously removed from my report as i reported it as fraudulent account. It was removed last XXXX, but was reinserted as per checking. Again, this account is a fraudulent account. Experian is violating my right per FCRA. Please remove this as soon as possible. 

XXXX  XXXX XXXX account # XXXX date opened XX/XX/year> 2018

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 2024-10-05 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:
I think this account is having problems, could you please investigate it? 


I disagree, I looked at my credit report again and according to him. Act publix law 91 -506 title VI section 611 it is clear that it is not correctly reported and I want to demand that research method that they did and please if you can send me and demonstrate how you did the research method I have every right to have this account investigated, which is not correct. You investigated it and you didn't give me any reason and I asked you under Act Publix Law 91-506 title VI section 611 that protects me as a consumer, and you told me again that it was verified correctly.. please eliminate this because it is hurting my credit and This is a violation of my rights.

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-10-05 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: FL

Complaint narrative:
I think this account is having problems, could you please investigate it?

I disagree, I looked at my credit report again and according to him. Act publix law 91 -506 title VI section 611 it is clear that it is not correctly reported and I want to demand that research method that they did and please if you can send me and demonstrate how you did the research method I have every right to have this account investigated, which is not correct. You investigated it and you didn't give me any reason and I asked you under Act Publix Law 91-506 title VI section 611 that protects me as a consumer, and you told me again that it was verified correctly.. please eliminate this because it is hurting my credit and This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX TX, XXXX Account number : XXXX NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX Dear XXXX XXXX XXXX. I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

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 2024-10-05 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: FL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX TX, XXXX Account number : XXXX NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX Dear XXXX XXXX XXXX. I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

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 2024-10-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/year>, my wife and I paid for a kitchen upgrade for around {$30000.00} for our new home from Home Depot. At the time, we discussed financing options with the sales rep, and she said that there was a promotional offer of 24 months interest free financing if I open up a credit card and pay at least the minimum monthly payments. We signed up when the sales rep was in our kitchen helping us think through design options and authorized the payment. 

We them paid above the mimimum payments every month ( {$1100.00} ) in order to make sure this was paid off by the end of the promotional period. I set autopay, so I did not look at my statement balance. 

I checked our XXXX balance, and I noticed we were being charged {$660.00} in interest for the month, so I looked back and saw that we had been getting charged for interest since XXXX. 

I called customer service on XX/XX/XXXX. They said that the sales rep must not have put the correct financing option in, but said that because I caught this outside of a 60 day window that there is nothing they can do to fix. Even though it was a sales reps fault, they said it is up to the consumer to catch it. As a result, they said this is now an interest bearing balance. I asked to escalate this further, and they said there is nothing I can do except send a letter to the executive response team, and they gave me a po box number and a fax machine. 

I do not think I should be responsible for thousands of dollars in interest because of a mistake from the sales rep and a 60 day window that I missed.

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 2024-10-05 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: NJ

Complaint narrative:
Today, I found unauthorized inquiries on my credit report without any explanation. I usually check my report, and suddenly these discrepancies appeared. Refreshing the browser didnt fix anything. Im beyond frustrated and need the documents I sent reviewed properly to stop this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CO

Complaint narrative:
I do not have any contract with this company. Have not done any business with this company. They are trying to use my information to extort me. I have filed a FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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:
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency XXXX XXXX XXXX XXXX XXXX and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX of you receiving this complaint. This fraudulent, inaccurate, and false information consist of collections from XXXX XXXX XXXX ( {$180.00} ), PORTFOLIO ( {$950.00} ), XXXX XXXXXXXX ( {$170.00} ), XXXX XXXX ( {$900.00} ). These accounts have resulted in several fraudulent collections and charge-offs appearing on my consumer FICO credit report. I've attached a list of collections and charge offs in question. I do not recognize the aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge-offs 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 non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One close my account without any explanation by just saying my account is under investigation and they said that if theres any funds left back, they will send it within XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation