vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 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: UT

Complaint narrative:
I'm writing to discuss a problem I found on my credit report. It says I was late with two payments on an account XX/XX/23 and XX/XX/23, but that's not true. I always paid on time. 
According to the law, when a consumer reporting agency makes a report about someone, they have to make sure the information is accurate. This means they need to check everything and show proof of verification. 
I've attached a copy of my credit report so you can see the mistake. Can you please check it and find proof that I was late? If you can't, I need you to fix the mistake and say I paid on time. 
This mix-up is causing me a lot of stress, especially since I'm a single dad with XXXX kids to take care of. I really need this fixed quickly to make things easier for us. 
Thanks for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: UT

Complaint narrative:
I'm writing to discuss a problem I found on my credit report. It says I was late with two payments on an account XX/XX/year> and XX/XX/year>, but that's not true. I always paid on time. 
According to the law, when a consumer reporting agency makes a report about someone, they have to make sure the information is accurate. This means they need to check everything and show proof of verification. 
I've attached a copy of my credit report so you can see the mistake. Can you please check it and find proof that I was late? If you can't, I need you to fix the mistake and say I paid on time. 
This mix-up is causing me a lot of stress, especially since I'm a single dad with XXXX kids to take care of. I really need this fixed quickly to make things easier for us. 
Thanks for your help.

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 2024-03-12 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: FL

Complaint narrative:
I am distressed that eQUIFAX has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following inquiries, therefore, needs to be re-investigated and deleted : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LJ Ross Associates
State: LA

Complaint narrative:
I noticed that I have a paid collection from LJ Ross Associates and I have no knowledge of any paid collection or this creditor. I did not receive any notification that this debt belonged to me nor do I have any knowledge of an account I have had with this company. There was no action taken since I did not receive any notification about this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: NJ

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I'm incredibly frustrated with Experian. Despite my efforts to dispute items unknown to me, Experian claim not to have initiated any disputes on my behalf due to alleged fraud or high risk associated with the provided documents. This seems absurd, and I question how they verified these claims. I'm aware of the consequences outlined in FCRA Section 619 for obtaining information under false pretenses, and I've taken precautions to avoid sharing my documentation elsewhere to prevent fraud. Additionally, according to FCRA 611 ( a ) ( 3 ), a consumer reporting agency can terminate a reinvestigation if they find the dispute frivolous but must notify me promptly. FCRA 617 emphasizes civil liability for negligent noncompliance, providing legal recourse for damages and attorney 's fees. I seek your assistance as a consumer to correct my credit file for my creditworthiness, standing, and capacity, crucial for securing my rights and financial freedom that has been damaged. Here is a list of items unknown to me that require attention : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00} and XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$89.00}.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
An inaccurate deceased indicator has been placed on my credit profile without proper documentation or verification I have been denied employment and lines of credit due to this inaccurate 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 non-monetary relief
Consumer complaint received 2024-03-12 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: TX

Complaint narrative:
You have committed a Trespass by way of an Invasion of Privacy, Material Misrepresentation, Fraud, Unauthorized Use, Negligence, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and, Texas Business and Commerce Code Sec. 521.051. You are a consumer reporting agency as defined by the Fair Credit Reporting Act, " FCRA '', and a financial institution, and a nonaffiliated third party as defined by the Gramm-Leach-Bliley Act, " GLBA '', who obtained, used, and furnished my nonpublic personal information, personal identifying information, and identifying information without my consent pursuant to 15 USC 6801, Texas Business and Commerce Code Sec . 521.002, and Texas Penal Code Sec. 32.51.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: NJ

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: NJ

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I ordered a package from XXXX XXXX XXXX in XX/XX/year> for the amount of {$120.00}. After contacting customer service they give me the same answer saying that the package was delivered by " lasership '' ( a company notorious for having shipments missing ). I never received any package nor had my video doorbell rung whatsoever. After multiple attempts for having the items replaced or refunded, it did not help. The following month I made the attempt of filing a dispute with their credit card company. I keep on getting the same answer " To please contact the merchant directly ''. I keep on calling them and writing and no one is willing to help with this matter. Last letter I recieved from them was on XX/XX/year> and still no help. XXXX XXXX XXXX  is irresponsible and of bad reputation as well as the commenity bank card. They rather keep my money for no products received which is stealing in other words. I keep on contacting the XXXX XXXX XXXX through their website and they never respond despite even getting automated e-mails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I'm filing this grievance as Ive exhausted all options for resolving the payment history for my JC Penney account/card. Ive had my account with JC Penney since XXXX & never missed a payment as I take pride with my credit obligations & payment history. To ensure payments are not missed, I have my account set-up for XXXX  so the billings are not lost in the mail. For whatever reason, I did not receive my billing statement for the sum ( s ) due as I normally do which created my account to become past due. As soon as I became aware of the status I immediately addressed the issue. My frustration is that I expressed I did not receive the billing statement ( s ), yet I feel it fell on deaf ears. As noted, I have been a long-term customer of JC Penney and this made me feel like just a number. It is my hope that Synchrony/ JC Penney will take into consideration my long-standing relationship with JC Penney and restore my perfect payment history for my account status with the credit 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 2024-03-12 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: TX

Complaint narrative:
An inaccurate deceased indicator has been placed on my credit profile without proper documentation or verification I have been denied employment and lines of credit due to this inaccurate 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 2024-03-12 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:
MY INFROMATION WAS USED FRADUALENTLY TO OPEN SEVERAL AACOUNTSDUE TO IDENTITY THEFT WHICH RESULTED IN FRAUDULENT ACCOUNTS BEINGOPENED AND SEVERAL INQUIRIES BEING FRAUDULENTLY MADE. ATTENTIVELYREVIEW my formal writ composed DECLARATION of Not Proven CompliantMisinformation that is all or in part : DEFICIENT of adequate current status in fullnessof TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory andregulatory requisite compliant reporting thereby mandating your immediate actionsto rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returningto DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 datafield formatted reporting! To be clear, you are mandated by laws to eliminate everynotation and or aspect of any and all derogatory and adversary items from any and allalleged claims still yet unproven to be true, correct, complete, timely, documented asbeing mine, testimonial to be of my responsibility, with FCRA compliance, and orCRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and allderogatory or potentially injurious reporting MUST be all of the aforementioned andcan NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTsensuring the physically verifiability of the CONFIRMED manual validation of any itemupon a consumer complaint, such as is this notice here and now.Please RETURN to orretain federally lawful reporting with your unwavering and unconditional annulmentof every single one even each any and or all of the allegations accused of medeficient of physical evidence to every and all aspects of said claims, be them true ornot. I would like to forge forward with a righted disputation challenging what likely isan inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not evenof my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements andinjury to my credibility. While studying my report I have come across a number ofmistakes and inaccuracies that you are reporting.Please review and eradicate any andall of these following unproven true, correct, complete, timely, mine, myresponsibility, FCRA compliant, metro 2 compliant, or else wise compliant to everysingle one even each any and all of the regulations, laws, and standards of reportingof which you are undoubtedly mandated in your obligation to obey : The followingallegations each require immediate deletion, do so now and here!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My daughter passed XX/XX/XXXX in XXXX XXXX. She was XXXX XXXX XXXX. My daughter had credit card debt. I mailed letter deceased notification with a death certificate to each owed. Received letter dated XX/XX/XXXX from XXXX XXXX ref XXXX original creditor Synochrony Bank acct balance {$2200.00}, acct endin in XXXX, they transferred debit into my name. My daughter left no will, she had no assets, not even her car was paid for, owned no real estate. They call me every day leaving messages about my debt and going to sue me. I am not responsible for my daughters debt and they transferred it into my name. I did not authorized nor did I accept or agree to pay the debit.

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 2024-03-12 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-03-12 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am unaware of the debt with Midland Credit Management. I didn't get the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I got the proper notification, please provide the certified mail with the receipt, with my signature on it stating that I received it. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to investigate these violations and ensure that my rights as a consumer are protected. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Dear Chase Executive, On XX/XX/2024 wanted open checking didn't want miss out XXXX bonus also my dad pass away. 
I am aware stating that I have an outstanding balance, which is preventing me from opening an online investing account. I would like to request more information about this balance, as I am not aware of any unpaid amounts or issues with my account. 

Could you please provide me with a detailed statement or transaction history that led to this outstanding balance? Additionally, I would like to understand my options for resolving this matter, whether through payment or by addressing any potential discrepancies. Considering I'm willing take my responsibility to you. See screen shot of what I been told. 

I am eager to clear up any issues promptly and proceed with opening my investing account. Your guidance on this matter would be greatly appreciated. 

Thank you for your assistance. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Since Covid-19 ; I lost my job. I called to my mortgage services and give me a information about program HAF DEO. 
I applied and I was approved last year XX/XX/2023. 
The HAF a program helping x 6 months payment, I contact with the PHH MORTGAGE SERVICES, and I send already all the information and also sent the award letter approved. 
The PHH MORGTAGE SERVICES, they recived the payment, but they returned the payment, because they needed reinstatement the amount x {$90000.00}.

I contact again to the bank and told me X apply for Loan Modification trial, but denied. 
Now its in reviewing my account. 
I really need help, because my husband he is very sick.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: CA

Complaint narrative:
XXXX XXXX XX/XX/year> I am reporting a fraudulent inquiry found 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 non-monetary relief