vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I've been receiving phone calls starting at XXXXXXXX XXXX back to back multiple times I believe I counted as many as six calls before XXXXXXXX XXXX., when I answer the phone no one will speak I can hear background noise and voices in the background but no one ever acknowledges that I answered the phone. I have called to complain but they say initially they have not called until I say that I am making notes of this and have the call logs and are going to submit a complaint to consumer Finance protection bureau, then suddenly they are aware of the calls and sight technical issues or some other unknown issue. The phone calls however do not slow nor do they stop not speaking when I answer the phone. I have been receiving XXXX XXXX  over the past few months, I do not believe that it is this company that is sending them, but when you receive XXXX XXXX alongside phone calls where no one will speak constantly it becomes unnerving and unsettling quickly. I have made my agreements known with the company to no avail and I'm now reaching out to my government for help. Is there anything that can be done about this? And should I contact an attorney about the harassment? I am afraid and unaware of what steps to take next about this issue, any help would be greatly appreciated. I will gladly give the call log history upon request because I think I have to pay to get a detailed list going back that far. Thank you have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Bought a {$500.00} gift visa card at XXXX. The next day someone used it remotely online for a {$500.00} XXXX  purchase. The card did not appeared to be tampered with but the card number, expiration date, and security code are in plain view so it was easy for someone to write down the information before I bought the card and use it when the card was charged. Despite dealing with Vanilla Gift Card for over a month and submitting all the information a number of times I have yet to receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: MO

Complaint narrative:
Experian with another ridiculous explanation to a complaint closed again by this fraudulent company

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 2024-01-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These accounts show late payments, that is incorrect information that I need to review. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items I need deleted will be attached in a word document, I am a victim of identity theft. I have multiple accounts I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report only show accurate information. I reported the theft of my information to the the Federal Trade Commission and have enclosed copies of the report, I would like these items removed from my credit report as soon as possible. Accounts : XXXX, XXXX. XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX. 

All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
RE : Discrepancy in Credit Report Listings XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( Account # XXXX ) ( Account # XXXX ), across the three major credit bureaus - TransUnion, XXXX, and XXXX XXXX My recent review of my credit reports revealed inconsistent information regarding the open date of this account. TransUnion 's report shows an open date of XX/XX/2022, while XXXX reports the open date as XX/XX/2022 and XXXX is reporting XX/XX/2022 also .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from XXXX, TransUnion and XXXX, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. Sincerely, 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 2024-01-26 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: IN

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Some suspicious activity happened on XXXX XXXX XXXX Someone applied Chase credit card and XXXX XXXX XXXX XXXX without my knowledge and they both got denied and after 2 days when I looked the letter from Chase bank and XXXX credit bureau report, there was an hard enquiry for the credit card application. So, I have reported this suspicious fraud identity theft activity to Chase bank, XXXX credit bureau and XXXX XXXX XXXX  on the same. Now, after reporting to them, they have cancelled the application as a suspicious fraud activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I ordered a payoff so the home could be sold. NewRez was provided a written request to generate a payoff with signed borrower authorization form but NewRez refused to do send one in a timely manner. This is an ongoing issue with this servicer as they repeatedly refuse to process payoff requests for borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: MD

Complaint narrative:
I noticed that I had hard inquiries that do not belong to me reporting on my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In late XXXX my XXXX vehicle was totaled in a XXXX XXXX. There was {$3400.00} due on the loan. 
My insurance company, who has been absolutely wonderful, attempted several times to get CLEAR information on the payoff amount and where to send the funds. 
After many calls from them and myself to Chase we were finally provided an address and instructions to complete the payment. 
I have to say that the associates I spoke with were rude and not helpful. I managed the XXXX XXXX XXXX XXXX XXXX XXXX and these people need training on customer service. 
I just today, XX/XX/XXXX, spoke again to Chase and they have their own agenda and do not allow customers to speak. I finally stated that the first check the insurance company sent had never been applied, it was stopped and a new one was issued. I wanted to be sure my credit would not be impacted. I was told that was a different department. When I asked to speak to that department I was denied. 
I firmly believe the first check reached Chase and their incompetence is why was lost and not applied. I do not want that reflected on my credit.

Chase has made this entire transaction far more difficult and painful than it had to be.

I was actually told to make another regular payment to insure there would be no credit impact and that Chase would refund any over payment. I understand the idea BUT, I have NO trust in Chase to refund anything. They are incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: PR

Complaint narrative:
There is some inaccurate or False information on the XXXX XXXX with the account number XXXX that is reporting on my credit report. 

First, this is a closed account, but this account is not reporting the date this account was closed. 
Second, the Balance ( {$20000.00} ) is bigger than the High balance ( {$10000.00} ) This is because there was a fraudulent charge made on this account. 
Third, The Payment History does not report a 30,60,90,120 days late before this account was Charge off by the account provider. 

This situation is affecting all my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: PR

Complaint narrative:
There is some inaccurate or False information on the XXXX XXXX with the account number XXXX that is reporting on my credit report. 

First, this is a closed account, but this account is not reporting the date this account was closed. 
Second, the Balance ( {$20000.00} ) is bigger than the High balance ( {$10000.00} ) This is because there was a fraudulent charge made on this account. 
Third, The Payment History does not report a 30,60,90,120 days late before this account was Charge off by the account provider. 

This situation is affecting all my financial life.

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 2024-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I requested a check be sent to my leasing office for my rent in the amount of {$2600.00} ( I have checks sent to my leasing office frequently from my bank ). I received an email and updated notification in the portal that my check was sent. I have been in constant communication with my leasing office advising them that the check should be received in 3-9 business days. I have also been in contact with my bank and have been told time after time that I need to allow the 3-9 days not including the holiday on the XXXX. Ok fine. So, this week I have been frantically calling my bank because my leasing office gave me until the XXXX XXXX to remit payment. As I called all week, I was advised by each representative that I spoke with to allow 3-9 business days and that the XXXX would be the 9th business day and it should arrive. This morning I reached out to my leasing office and was advised that the check STILL had not been received & they were proceeding with the eviction and additional cost would asset to dismiss. I called my bank AGAIN today and was advised that the check NEVER went out, but it processed. I asked what could be done as now an eviction and additional cost are being assets in which I think they need to take accountability for. The only option I have is that I cancel the check which will take 1-3 business days. They are not willing to cover additional cost in which I feel that they should because they dropped the ball. They have escalated the issues in which they are advising that will take 7-10 business days. If I would have known this check was never mailed out, I could have made other arrangements to get the money to my leasing office a long tie ago. Up until yesterday I had been told the check was on its way. I am terrified that an eviction will be filed against me, and I am not in the position to move with my son regarding a situation that was beyond my control. Im seeking the rent amount, additional fees accessed and any attorney fees I would have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: GA

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 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 if 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 2024-01-26 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-26 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Bank is reporting inaccurate information on my credit report. They reported that I have a late payment of 30 days or more for the month on XX/XX/XXXX. I have proof of all payments made along with the dates and also proof of all payments on their site shows that I have never been late 30 days a or more while having this account. I filed a dispute with all 3 credit reporting agencies but the company refuses to update their information. I also called in on multiple occasions regarding this and representatives have told me that they do not see any late payments of 30 days or more on my account and my account is paid up to date and in good standing. Representatives have also put in a request fir further investigation into the matter but the company has failed to respond or send any correspondence to me stating that I have been 30 days or more late with a payment. Payment dates since the opening of the account XX/XX/XXXX. Payments were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of these payments show paid via my bank account and also on citizens bank account. I am asking that they fix this matter immediately before additional legal action is sought.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XX/XX/year>, I settled my outstanding balance with XXXX XXXX. 

However, as of XX/XX/XXXX, it still appears as a collection item on my credit report. I reached out to XXXX XXXX and even initiated a dispute process. 

They confirmed that the account has been paid in full and should no longer be listed on my credit report. 

Additionally, I have received an email confirmation from XXXX XXXX regarding the resolution of this account.

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 2024-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I received a title loan with One Main Financial. When signing all documents I was told that I had to purchase their life insurance on the policy. Every loans I have taken with them included a life insurance even if it was being refinanced another insurance policy was added on. I was told it was mandatory for getting the loan. Now that this has been brought to my attention with the lawsuit I am told otherwise. Also with paying off a loan and refinancing the interest rates were not recalculated. Meaning from the previous loan the final amount with the interest was carried over. I was also declared State and Federal XXXX. I was not giving the option stated in their contract any relief at all with the insurance. This was not fair to me or other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: Ability Recovery Services, LLC
State: FL

Complaint narrative:
This company is reporting a fraudulent account they sold the debt to ability recovery and now they are reporting, they are knowingly reporting a fraudulent account

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