vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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 want to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of XXXX days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 


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 explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Complaint Against Equifax Credit Reporting Agency Regarding Failure to Delete Online Account and Violation of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue I have encountered with Equifax credit reporting agency. Despite multiple attempts and requests, Equifax has failed to delete my online account with Member ID # XXXX, citing supposed identity theft concerns. I have invoked my rights under The California Consumer Privacy Act of 2018, which was further amended in 2020 to the CPRA, to have my information removed upon request, including online accounts. However, Equifax does not provide consumers with the option to delete non-active accounts once they sign up, leaving individuals vulnerable to potential identity theft risks as they are unable to promptly address any malicious activities.

The inability to physically delete an online profile account exposes consumers to heightened risks and violates the fundamental principles of consumer privacy rights. It is imperative that credit agencies, including Equifax, offer consumers the right to opt out and permanently delete any information from their systems, as mandated by the CCPA. The current practice of retaining consumer information against their will is a direct violation of consumer rights and privacy laws.

I am requesting Equifax to take immediate action to delete my online account and permanently erase all associated information. Additionally, I urge Equifax to establish a clear and accessible method for other consumers to delete their online accounts without facing barriers or feeling restricted by the agency. Consumer rights exist to protect individuals, and any disregard for these rights undermines the trust and integrity of the system put in place for the benefit of consumers.

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and ensure that Equifax complies with the legal requirements and consumer rights outlined in the CCPA and other relevant regulations. Your intervention and advocacy in upholding consumer rights are crucial in addressing this issue and safeguarding consumer privacy.

Thank you for your attention to this matter. I look forward to a prompt and effective resolution to this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: AR

Complaint narrative:
I was deceived in paying for other services and was told I would get a refund if I cancelled them. I was tricked to signing up for option products and the representative told me that I could get the loan unless I sign up for the services. They are also reporting reporting missed payments and when I have proof of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I Need Help, Please! Chase Visa is harassing me regarding my card ( ending in XXXX ) on which I am steadily paying, including repeated phone ( from the number XXXX ) and mail threats, as well as XXXX letters requiring signature which threaten to sue me and turn me over to " a law firm. '' I have had this card for many years and assumed full responsibility for payment after the XXXX  of my husband, with only my significantly less income. I currently owe XXXX, XXXX, an amount accrued primarily in XXXX when I had to move house after my husband 's XXXX  and then lost XXXX months of work due to XXXX. I was making steady progress paying the balance until spring 2023, when I again lost work due to COVID and missed XXXX payments. I spoke to Chase several times in XXXX XXXX  when they kept sending me notices that they would close my account and charge it off - and let them know my predicament. A phone agent gave me payment amounts to make in XXXX and XX/XX/2023 that she said would keep my account from being charged off. I made the payments and they closed it anyway. I asked for supervisors and possible converting to a loan help from them and could not get past the foreign call center operators. I have since made steady and consistent payments each month ; and while I do not make enough money at this time to pay enough extra to catch up the months missed, I continue to make steady payments toward the balance. Yet they have increased their harassment and threats of lawsuits - I am XXXX XXXX XXXX and this is negatively affecting my mental and physical health. I have not once tried to say that I am not responsible, I haven't gone to any credit relief company to get the bill lowered to pennies on the dollar. I just keep paying on what I owe and I pay at least XXXX each month, more when I can. I have tried to get a consolidation loan at a lower interest that I can pay this off with, but because Chase has gone ahead and ruined my credit, I can't get a loan and have no other option but to do what I am doing, which is pay all I can pay each month, while they continue to add on insane interest charges and fees.

I fully intend to pay my debts but I need help from you getting in Chase Visa to STOP harassing me and ruining my credit. I am working hard to get my credit back up where I may be eligible for a consolidation loan. I can never get through to an actual Chase supervisor or someone interested in helping me figure this out, I just get a call center. Please help me, Thank You. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: CA

Complaint narrative:
I am formally contest and seek correction of inaccurate information listed on my credit report. After a careful review, I have identified inconsistencies regarding the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The mentioned accounts currently display late payment dates and negative status on my credit report, which is erroneous. After contacting the respective creditors, they confirmed that these inaccuracies stemmed from internal errors on their part. Consequently, they have agreed to rectify the situation by removing the negative information associated with these accounts. 

I kindly request that you investigate and update my credit report accordingly. The accurate information for these accounts should reflect a positive status with no late payments. Furthermore, I ask that the corrected details be promptly communicated to all parties that have recently requested 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
Consumer complaint received 2024-03-25 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: CA

Complaint narrative:
I am formally contest and seek correction of inaccurate information listed on my credit report. After a careful review, I have identified inconsistencies regarding the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The mentioned accounts currently display late payment dates and negative status on my credit report, which is erroneous. After contacting the respective creditors, they confirmed that these inaccuracies stemmed from internal errors on their part. Consequently, they have agreed to rectify the situation by removing the negative information associated with these accounts. 

I kindly request that you investigate and update my credit report accordingly. The accurate information for these accounts should reflect a positive status with no late payments. Furthermore, I ask that the corrected details be promptly communicated to all parties that have recently requested my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: NY

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 U.S.C 1681 section 602 A. States I have the right to privacy. 


Account name and Number DEPT education, XXXX # XXXX Account name and number DEPT education, XXXX # XXXX Account name and number DEPT education, XXXX # XXXX Account name and Number XXXX DEPT education, XXXX # XXXX 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 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 2024-03-25 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: NY

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 U.S.C 1681 section 602 A. States I have the right to privacy.

Account name and Number DEPT education, XXXX # XXXX Account name and number DEPT education, XXXX # XXXX Account name and number DEPT education, XXXX # XXXX Account name and Number XXXX DEPT education, XXXX # XXXX 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 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 2024-03-25 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: PA

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. 
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 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 2024-03-25 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:
Months ago, I sent a letter to the three credit bureaus asking them to remove this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete this immediately : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
In XX/XX/2023 Mr Cooper SENT US a refund check for overage in escrow, now less than 6 months later, they have sent us a letter stating that we have an escrow shortage of a very large amount and raised our payment very much. 

I paid additional money into the escrow account. I want to have escrow recalculated and explanation of WHY they returned money to me from escrow only to return money to me. 
I need escrow recalculation and perhaps they can also remove XXXX  from my home since the value of home has gone up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
Marcus Bank ( Goldman Sachs ) sent me an email dated XX/XX/year> promoting a special promotional CD term ( XXXX ) at 5.40 % APY. According to the email, the offer expires on XX/XX/year>. Nowhere in the email does it state that the applicable rate is 5.40 % APY or the then best available rate - i.e., the 5.40 % APY rate should be honored through XX/XX/year> as expressly provided for in the email. 

I have had XXXX CDs mature recently - one on XX/XX/year> and the other on XX/XX/year> - where I attempted to obtain this special promotional CD term and rate, however, I was denied the 5.40 % APY rate in both instances by Marcus representatives. I called Marcus to request the 5.40 % rate on the XXXX maturing CDs on XX/XX/year>. The first representative ( XXXX ) would not honor the 5.40 % rate so I elevated the matter to her supervisor ( XXXX ). The supervisor would not honor the rate either so I requested that the matter be elevated higher. I was advised by XXXX that someone would get back to me within XXXX business days. I received a call back from XXXX XXXX XXXX ) on XX/XX/year> and she also would not honor the 5.40 % APY rate. Once again I requested that the matter be elevated, but I never heard back from XXXX. 

As a result, I received a 5.15 % APY rate ( XXXX  months ) on the CD maturing on XX/XX/year> and a 5.00 % APY rate ( XXXX  months ) on the CD maturing on XX/XX/year>. I respectfully request that the CFPB require Marcus Bank honor its promotional XXXX CD rate of 5.40 % APY as promoted in its unsolicited email dated XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TN

Complaint narrative:
I am writing this complaint to the CFPB in regard to a notice of dispute that I have for TRANSUNION. I want to make sure that action is taken, and a response is given regarding inaccurate accounts reported in my consumer disclosure report from TRANSUNION. I want the accounts reinvestigated, and I want any unverifiable information removed from my consumer report with TRANSUNION. I have heard from other consumers that consumer reporting agencies have a bad habit of ignoring letters and I am ensuring it reaches TRANSUNION.

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 2024-03-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: NC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$130000.00} XXXX  XXXX Balance Owed : {$130000.00} XXXX  XXXX Balance Owed : {$130000.00}

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 non-monetary relief
Consumer complaint received 2024-03-25 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: NC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$130000.00} XXXX  XXXX Balance Owed : {$130000.00} XXXX  XXXX Balance Owed : {$130000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 XXXX and 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 2024-03-25 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: VA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in 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