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

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: SN SERVICING CORPORATION
State: MD

Complaint narrative:
SN Servicing is continously causing me undue stress with the payment process and fees. I have been paying my monthly payments as expected every month. I am 2 months from completing my bankruptcy after 9 years. I currently take care of my mother that has XXXX and just want to finish my bankruptcy so that I can retire from work to continue to care for my mother. SN Servicing keeps filing a notice to remove my automatic stay. We just went to court in May when the judge dismissed SN Servicings default notice to remove the automatic stay. I presented all my receipts to the court never missing any payments. On XX/XX/XXXX, SN Servicing filed another default notice stating that I owe for XXXX and XXXX payment with {$400.00} in suspense. The XXXX ask us to meet to resolve the issue. I sent all my receipts to my attorney for payments paid in XXXX, XXXX and XXXX. My attorney requested a copy of all payments and SN Servicing sent a sheet of erroneous charges that included return check charges and monthly arreage charges totalling {$2000.00} in arreage fees. SN Servings owed this amounts to me. SN Servicing states that I owe for XXXX and XXXX payment and the {$400.00} suspense payments doesn't exist anymore. I also should have a suspense payment of {$2000.00}. SN Servicing Corp. is also claiming that I owe return check charges in XXXX, when I didnt have a checking account and have paid all my payments via wire from my bank through the Federal Reserve XXXX Each month when I make a payment SN Servicing never post my full payment of {$1600.00}. SN Servicing bankruptcy Dept. Is misapplying my payments. My payments are posted and then unapllied and then posted at a lesser amount of {$1400.00}. This company also changed the original terms of my originsl loan from FHA to conventional. This servicer is commiting all kinds of mortgage fraud. I just want them to acknowledge my payments and postt correctly. I want all erroneous fees and arreages to be removed. This is unlawful. I was even charged forced placed insurance when I dont pay insurance to the mortgage company bc I own a condo that's paid through my HOA. This company is trying to cause me to loose my home when I am a consumer that is doing the right thing, by paying my mortgage on time every month. I am owed thousands of dollars. I only owe for my XXXX payment which I plan to pay this week. Please help! This is causing me undue stress and causing me health issues. I've never experienced anything like this before with a mortgage servicer. Please help. I have all receipts that substantiate my claim.

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

Complaint narrative:
I have a-lot of knowledge when it comes to the fcra and i know that no consent is identity theft so since i did not give my consent to these creditors listed on this identity theft report to send Equifax nor XXXX any information about transactions or to report any information or data on my consumer report this means these fraudulent credit cards and loan must be deleted permanently from my credit report in the next XXXX business days meaning by XX/XX/year> all of these accounts should no longer be reporting on my credit since the law says thats the amount of time yall have to make this right! my credit reports contains some credit card accounts and a loan that is not verified and information that is not 100 % accurate these credit cards and the loan are not being reported correct at all! This is against the laws that protect me as a consumer The fair credit reporting act states that every single thing on my credit must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ) If not deleted I plan to sue XXXX for {$7000.00} in federal court and I can sue Equifax for {$7000.00} in federal court which is {$1000.00} per violation!

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

Complaint narrative:
By law 15 U.S. Code 1681a late payments shouldn't be on my consumer report. Why is XXXX, transunion, XXXX  reporting late payments on my credit report? 

15 USC 1681a 2 ( A ) ( i ) - the term " consumer report '' does not include report containing information solely as a transactions or experiences between the consumer and the person making the report.

the law doesn't say anything about late payments should be reported on a consumer report. I would like to have all my late payments reverse and change as " paid as agreed '' or " OK '' 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
Consumer complaint received 2024-08-08 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: CA

Complaint narrative:
By law 15 U.S. Code 1681a late payments shouldn't be on my consumer report. Why is XXXX, XXXX, experian reporting late payments on my credit report? 

XXXX XXXX XXXX XXXX ( A ) ( i ) - the term " consumer report '' does not include report containing information solely as a transactions or experiences between the consumer and the person making the report. 

the law doesn't say anything about late payments should be reported on a consumer report. I would like to have all my late payments reverse and change as " paid as agreed '' or " OK '' 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 explanation
Consumer complaint received 2024-08-08 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: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
Wells Fargo lawsuit that I was a part of but I'm not satisfied with what the amount they came up with XXXX it was a debit card fraud I think I'm entitled to way more this happened back in 2015 it caused me emotional damage losses of putting food on table cloths on my kids back to much to mention XXXX but I recently received a check for that amount and at the bottom it said this case is closed I can't get through to talking with anyone I'm frustrated confused i just wished Wells Fargo works that did all this upset wrongfully things to people need to be accountable for like jail time people out here especially on a reservation if we did what they did to us we be in jail i mailed my first remediation paperwork in abd did get a check for it but wasn't satisfied with it bit hopefully something comes down the road from that and this last one was credit card fraud and i responded to it and they told me to wait for another one in mail so i did and XXXX was a check for XXXX and said this case is closed i haven't had a phone due XXXX XXXX didnt pass that so i dont kow where tp go from here its just not fair

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 2024-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Tra_icking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you delete and 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 human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. XXXXXXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
I am a Chase Bank customer for many years and never had any issues. Few months ago I opened a business checking account and a business credit card with them. The bank closed the business credit card due to missing sign documentation, only the credit card not the checking account. I was in contact with the bank and visited the branch to take care of the issue. The banker confirmed with the back office that they were unable to find the sign application or any documentation that was signed when opening the account. The banker located the initial docs that were signed when opening the account at the branch, and I was assured that all the paperwork will be faxed and the account will be reopened in 5 to 7 but days. Called the customer service multiple times and I was advised that account will be reopened within 5 to 7 business days. Called again after 2 weeks from submitting the request at the branch and the customer service rep could not help. The call was escalated and was on hold for 50 minutes. All this just to talk to a escalation rep that advised the paperwork was not received and I should apply for a new account or go back to the branch. She hung up on me after advising that is nothing she can do. Waisted 1 hour and 7 minutes of my time to have a representative disconnecting the call on XX/XX/year>. This is inaceptable.

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

Complaint narrative:
I have provided my photo ID along with the other required documents. 
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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Erroneous Names and Addresses on Consumer Credit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
XXXX XXXX XXXX XXXX XXXXXXXX, Al and XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY 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  This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. 
I request a thorough investigation into these inaccuracies. 
3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 
I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide m

e with a free copy of my updated credit report. Failure to address this dispute may res
ult in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

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

Complaint narrative:
after checking my credit report I noticed an innacuracy in my citizens account- it is reporting with a late payment for XXXX. while my account was closed, it was never paid late or not paid at all. I have sent requests for this account to be updated as current and they, and the credit bureaus have failed to update the account. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. Validate/inaccurate reported late payments Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2100.00} please have this updated immediately by all XXXX bureaus.

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 2024-08-08 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: NY

Complaint narrative:
after checking my credit report I noticed an innacuracy in my citizens account- it is reporting with a late payment for XXXX. while my account was closed, it was never paid late or not paid at all. I have sent requests for this account to be updated as current and they, and the credit bureaus have failed to update the account. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. Validate/inaccurate reported late payments Account : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2100.00} please have this updated immediately by all XXXX bureaus.

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 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I paid my final bill, balance in full of this credit card company, but then they sent me another bill charging me interest on a supposedly balance that they created a fake/fraudulent balance? To still take more money from me even though I had paid my balance in full in my last bill, before they still send me this other bill they say is " Final '' to charge me still interests that does not exist, or make any sense because I paid the whole balance I had with this company in full, But they are still trying to defraud me, by charging me interest, when I already paid off my bill my full balance I had with them? This company is committing fraud against me as a consumer/customer? Creating and coming up with a balance when had already PAID IT OFF my full balance? 
This company is trying to take more money from me no matter what, I have never seen or been thru such a thing in my life, in which I PAY OFF a credit card and then have them still come up with a last bill charging me still interests on a fake balance they created just to take more money from me, I have paid off other credit cards in the past and never ever none of them send a final bill, charging interest only as this company is doing 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 monetary relief
Consumer complaint received 2024-08-08 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:
I recently reviewed a copy of my credit report. I was surprised to learn that I have been a victim of identity theft. I found numerous accounts on my account that were not opened by me. This is hurting me as I am in the process of buying a home for my kids and I. Please remove the fraudulent accounts 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 explanation
Consumer complaint received 2024-08-08 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was surprised to learn that I have been a victim of identity theft. I found numerous accounts on my account that were not opened by me. This is hurting me as I am in the process of buying a home for my kids and I. Please remove the fraudulent accounts 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 explanation
Consumer complaint received 2024-08-08 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: CA

Complaint narrative:
I have a-lot of knowledge when it comes to the fcra and i know that no consent is identity theft so since i did not give my consent to these creditors listed on this identity theft report to send XXXX nor Experian any information about transactions or to report any information or data on my consumer report this means these fraudulent credit cards and loan must be deleted permanently from my credit report in the next XXXX business days meaning by XX/XX/year> all of these accounts should no longer be reporting on my credit since the law says thats the amount of time yall have to make this right! my credit reports contains some credit card accounts and a loan that is not verified and information that is not 100 % accurate these credit cards and the loan are not being reported correct at all! This is against the laws that protect me as a consumer The fair credit reporting act states that every single thing on my credit must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ) If not deleted I plan to sue Experian for {$7000.00} in federal court and I can sue XXXX for {$7000.00} in federal court which is {$1000.00} per violation!

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX XXXX, XXXX  XXXX XXXX and Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief