vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 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: GA

Complaint narrative:
I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
To whom it may concern, I have never had an Ally Credit Card nor do I owe this company money. This card does bot belong to me. Please remove the item from my XXXX report. 

Thank you, Balance- {$7000.00}

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 2024-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: WA

Complaint narrative:
Asked debt collector via email on XX/XX/year> to NOT attempt calling me at work after they did. She called my work again on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: NY

Complaint narrative:
I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


EQUIFAX : XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mercury Financial Intermediate LLC
State: MO

Complaint narrative:
I received a call from Mercury Financial on XX/XX/year> and they made me aware that an account had been open in my name on XX/XX/year> online by someone else and they had immediately charged the card using the digital card the same day of over {$1000.00} of dollars. I was told that i need to file a police report and mail them a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: KY

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: MD

Complaint narrative:
I did not receive any official notification from American Education Services to state l did not qualify for the COVID- 19 Government Forbearance initiated by Fed Government in XX/XX/XXXX and ended on XX/XX/XXXX Missing payments on the loan should not be held against me as an American Citizen I thought I qualified for this government forbearance like everyone else Therefore l am asking that the derogatory mark on my Credit Report be removed by AES company and be removed from the office of the US Department of Education as well

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: AL

Complaint narrative:
Do you report this information to the authorities, or do you just sit there??? How are complaints to you, handled??? I have a VERY OLD XXXX  charge from a hospital in XXXX XXXX, Ohio. I had no insurance at the time, back in XXXX. I forgot all about it, and now all the sudden it pops-up on my credit report- this month and this year. ( XX/XX/XXXX ). It's over {$1000.00}. I'm on XXXX and can't pay this bill. Is this legal? 

Also, there are numerous student loans on my credit report, that have been there, since around XXXX. They were placed on my report BEFORE I finished classes, having taken no break. This is XXXX. XXXX XXXX XXXX  XXXX placed them on my report. I have a letter from XXXX saying ALL my student loans are paid for by XXXX, because of my XXXX. I keep attaching the XXXX letter to Experian, but they refuse to take the student loans off my report. I filed a new dispute a month ago, and have heard nothing back. I usually don't. I also spoke to them on the phone a month ago, about my name spelled incorrectly and addresses I've never lived, and was told they were changing the information " as we spoke. '' A week later, nothing was changed. My first name is NOT spelled with an XXXX on the end, it's an A on the end. 

They have been jerking me around like this for YEARS. I've been trying to get this information squared away for YEARS, by filing dispute after dispute, after dispute. NOTHING on my credit report has been fixed.

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 2024-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I have had an account with Chrysler capital since 2020. I have been having issues with extra fees being added to my monthly bill which is already outrageously high. During the Covid-19 pandemic I was facing financial hardship and had to move, because of this I was making partial payments and notified Chrysler of my situation. At the beginning of the year they threatened to reposses my car and was blocking me from making any more partial payments online by raising the minimum payment amount as well as locking my account at times, so I wouldn't be able to pay. I had to call in to make payments. 

Because of this my mother borrowed a loan to clear the balance at the beginning of the year. Even after being cleared Chrysler added another fee. I spoke with them and they cleared it. Last month I noticed that there seemed to be extra fees between payments. I called to rectify at the time it was an extra {$200.00}. They tried to tell me that it was a late fee, however, I cleared the balance before the months due date, again this months ending balance was {$410.00}, I cleared it, now they have added another {$590.00} fee and told me it was because my payments was late which was another lie because I paid it before the due date. These additional fees only seem to be added after my balances have been cleared and I need for law enforcement to step in now because they have been financially harassing my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: OR

Complaint narrative:
Dear credit reporting agency Thank you for your response regarding my dispute. While I understand that you are still working on my request, I would like to bring to your attention a specific provision in the consumer credit law that outlines the time frame for responding to disputes and the potential removal of negative marks. 

According to the Fair Credit Reporting Act ( FCRA ), specifically section 611 [ 1681i ], when a consumer files a dispute with a consumer reporting agency, the agency is required to conduct a reasonable reinvestigation within 30 days of receiving the dispute [ [ 1 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX ). However, there are certain circumstances where the agency must respond within a shorter timeframe. 

In the case of an expedited dispute resolution, if a dispute is resolved by the deletion of the disputed information within 3 business days of receiving notice of the dispute, the agency is not required to comply with the regular 30-day reinvestigation process [ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX ). This expedited resolution allows for a more efficient removal of inaccurate or incomplete information. 

Additionally, there is a provision in the FCRA that requires the consumer reporting agency to provide prompt notice of the deletion of disputed information to the consumer, either by telephone or in writing, not later than 5 business days after making the deletion [ [ 2 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX ). This ensures that consumers are informed of the outcome of their dispute in a timely manner. 

Therefore, I kindly request that you adhere to the time frames outlined in the law and promptly complete the reinvestigation of my dispute within the required time frame. Should the disputed information be found to be inaccurate or incomplete, I expect the appropriate deletion to be made and a consumer report based on the corrected information to be provided to me within 5 business days. 

Thank you for your attention to this matter. I look forward to a swift resolution in this matter. 

[ [ 1 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX ) : FCRA Section 611 [ 1681i ] [ [ 2 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX  ) : FCRA Section 611 [ 1681i ] [ [ 3 ] ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : FCRA Section 611 [ 1681i ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On the day of XX/XX/XXXX sometime in the afternoon I had two debit withdrawal come out of my account that I did not do or authorize, or give permission one withdrawal in the amount of first {$270.00}, and while I'm trying to contact them another withdrawal of XXXX comes directly out of my account, This account ending in XXXX I have had since XXXX from the last occurrence that took place in XX/XX/XXXX prior. Too continue I went to the branch first thing in the morning they could not help me just gave me the number to the recovery department and their manager isn't on site ( really ) what they did was give 3 account numbers I'm not even aware of, last personal check account I am aware of ended in XXXX so the other don't register which they closed and taken XXXX similar to what I'm mentioning now. When I finally do get in touch with someone from citizens they try to explain to me that's it's the right to offset. Not without reaching out to me to resolve the problem first by letter or phone call some form of written notice that I have not yet to receive about any money being owed to the bank, but still allow me to open up an new checking account this bank is acting in Bad Faith. And still mentioning XXXX dollars when XXXX dollars was paid to them XXXX on A account I have knowledge of pertaining to the XXXX that has been resolved only thanks to CFPB. As A consumer it's very unfair for a bank to operate like that just take money because I have a ln open account especially have an open account for the last XXXX  years as I mentioned for the last time doing that with no notification at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Carrington Mortgage has reanalyzed my escrow account and changed my payment four times in the last twelve months. My payment keeps going up, then down, then back up and I have no idea how much my mortgage payment is going to be month to month. These swings are not small, being between 20 % -40 % in either direction. Swings that large are impossible to budget and much financial planning very difficult. When I called and asked, I was told that escrow reanalysis happened every time something was paid from escrow. I was basically told to " Deal with it '' as Carrington could do as they wanted and I did not have any recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING LATE PAYMENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please REMOVE and DELETE ALL OF THE FOLLOWING LATE PAYMENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXX ACCOUNT # 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 2024-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2024-06-10 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: KY

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 non-monetary relief
Consumer complaint received 2024-06-10 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: KY

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: GA

Complaint narrative:
I recently obtained a copy of my credit report and noticed that it contained numerous inaccuracies, indicating I am a victim of identity theft. These companies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and privacy of consumer information.

Under the FCRA, specifically 611 ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate and correct any inaccuracies. Additionally, as per 605B ( 15 U.S.C. 1681c-2 ), I am entitled to have fraudulent information resulting from identity theft blocked from my credit report.

Furthermore, any communication by debt collectors regard
ing these inaccuracies violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) 805 ( c ) ( 15 U.S.C. 1692c ). According to this provision, if I notify a debt collector in writing that I refuse to pay a debt or wish for them to cease communication, they are required to stop, except under specific circumstances.

In light of these regulations, I formally request the removal of all inaccurate and fraudulent information from my credit report. Please address this issue promptly to comply with federal laws and ensure my credit report accurately reflects my financial history.

these companies are in violation of the FCRA LAWS. reporting to my consumer report is a form of communication 1692c. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. please remove this information off my report. 

these are the account stemming from identity theft : XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$570.00} XX/XX/XXXX XXXX XXXX  {$880.00} XX/XX/XXXXXXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX  XXXX {$700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX {$9200.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief