vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In XXXX i took out a construction mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX branch in XXXX of XXXX i longterm financed the home with XXXX XXXX XXXX ok. However i did not pay off the complete amount of construction. 5 years later in XXXX i had made no payments to XXXX XXXX XXXX, and the finally wanted to get the additional overage into a fixed finance there was a change of main bankers in company. So we get yhe amount rolled into financing. I lost my job later part of XXXX and foreclosure happened from XXXX. However XXXX XXXX XXXX and XXXX purchased the loan from XXXX and sold the home in which XXXX made profit. However they continue to report deroggatory info on my bureaus, and it is imcomplete. They show im making payments and the amount is not decreasing but all bureaus show i havent made payment since XXXX. I have taken steps with now XXXX XXXX XXXX and was told they will fix everything when i pay off the interest owed of {$17000.00}. I.dont belueve i owe them anything because they bought the loan sold property and made profit. Shows i paid off the loan of {$500000.00} but still shows i owe little over {$17000.00}. I need this cleaned up with experian XXXX and XXXX and to stop reporting. I have no documents agreeing to pay this new loan number they made up. The credit bureaus just tell me information is verified and i get nothing rhey arent getting the full story

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 2024-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Closed Business Account from Consumer Report/Victim of Identity theft Account : XXXX XXXX I am Victim of fraud. My Information has been sold to the dark web. FTC reported and attached someone has been fraudulently using my identity I Have been trying to contact Transunion regarding fraudulent however I have been unsuccessful reaching them by phone. 

I am writing to formally request the removal of a closed business account from my consumer report ( XXXX ), as permitted by the regulations outlined in the Fair Credit Reporting Act, specifically 15 U.S.C. 6801, 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 6804, and 15 U.S.C. 6805. The SBA closed account in question and does not pertain to my personal credit history but rather belongs to a business entity. Both does not belong to me. 

As such, its inclusion in my consumer report is inaccurate and misleading. Per the aforementioned statutes, it is imperative that consumer reports accurately reflect an individual 's credit history, and the inclusion of irrelevant business accounts violates this principle. I kindly request that you promptly investigate this matter and take the necessary steps to remove the aforementioned closed business account from my consumer report. Please provide confirmation of this action once it has been completed. Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the above-listed contact information. 

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 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I got an email stating the following below : Important : Please contact us To protect against fraud, we restricted and may need to close your account soon. 
XXXX XXXX : At Chase, were always working to keep your money safe. Due to recent activity, or because we need more information from you, we have restricted your account ( s ) and may need to close it if we dont hear from you soon. This includes your account ( s ) ending in : 9705 We understand this is inconvenient, but protecting against fraud is a top priority.

Please act quickly to better understand the restriction on your account you may be able to provide the information needed to keep it open. 



I called customer support and spoke to someone and they stated that I cant retrieve my funds in my account online or at a branch. I will be issued a check and can no longer open an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: DC

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a vehicle through XXXX on credit. I was made aware that American Credit Acceptance will be supplying the loan. On XX/XX/XXXX, I got into an accident that led to my car being a total loss. However, American Credit Acceptance decided to label this as a repossession on my credit report. When I spoke to a representative to get a clear understanding of why this was, they told me that it was labeled a repossession because the vehicle was sitting AFTER the accident. This makes no sense since the vehicle was not drivable so there was no way for me to move or use it in anyway. This is extremely unfair because if the accident had never happened, I would still have the vehicle. The insurance company, XXXX, are the ones who towed it away an hour and XXXX minutes from my residence. I was then told that I owed {$4800.00}, and had to pay that off in order to get it removed. So I paid {$2000.00}. On XX/XX/2024 I called to pay another {$2000.00} just for the representative to tell me that I should dispute the repossession, and that it should have never been considered a repossession in the first place. It is clear that American Credit Acceptance does not care as long as they get their money. There is no reason why they should have reported this as a repossession when that is not what happened! Not to mention, they NEVER even sent me a repossession NOTICE like they are supposed to do. This is negatively affecting me financially because now I have to pay over {$6000.00} for a downpayment for a new vehicle. So now my rights are blatantly being violated as this is now considered false and misleading pursuant to 15 USC 1692e. Also, the consumer reporting agencies are not supposed to put anything on my report WITHOUT verifying with me first. This whole practice reeks of unlawful and unethical activities and it is quite concerning that they can put whatever they want on MY report with no consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Upon meticulous review of my credit report, I have discovered unauthorized charges that resulted in an increased balance and accrued interest on the closed account. All payments were done on XXXX/XXXX/XXXX, the account was finally closed on XX/XX/year> as requested over the phone by me. This event has adversely impacted my credit score, impeding my financial opportunities, as I have been reported to all credit bureaus for a non existing balance on a closed account. 


Having such a low score at this very moment is directly impacting my abilities to buy a house, refinance my vehicle and even rent an apartment. 

Help over the phone does not have any effect on this situation. The bank rely heavily on automated systems, meanwhile customer service only read off of a prompt screen, yet no solution to this case, days go by and I keep getting directly affected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-24 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:
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 2024-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: UNITED FIDELITY FUNDING, CORP
State: OK

Complaint narrative:
Acquired mortgage loan initiated by United fidelity. 
Home purchase sign date : XX/XX/XXXX United fidelity TRANSFER to Freedom Mortgagr XXXXLetter Dated to me via email XXXX United FidelityXXXX XXXX XXXX Payment provided to United fidelity to be transferred over to freedom mortgage but only transferred partial amounts in the escrow balance not including prepaid amounts associated to cover additional room in my escrow account. 
I notified United Fidelity after receiving my statement from freedom mortgage that did not show my payment of {$2500.00} on XX/XX/XXXX but only showing they sent over only {$2500.00} on XX/XX/XXXX. The notice of transfer was sent to me 15 days later than the service transfer date of XXXX ultimately the confirmed and processed cashier check that went to United for next payment then they never sent it. Also excluding my interest actually applied for XXXX, negating the payments I made prepaid to Hazard and home insurance along with property tax amounts. Remaining not limited but associated {$2000.00} property tax and prepaid 3 months advance to cover additional months for 3 months not including full prepayment of {$2800.00} sent for home insurance for XXXX with XXXX XXXX. In addition the XXXX XXXX contract amount was actually {$2600.00} which I paid XXXX. No refund provided back to me from anyone. 
Summary : XXXX accounting by statement based on date of origination of loan ( servicing transferred from united XXXX XXXX XX/XX/XXXX ) 2. Statement and payments made to Freedom started with monthly payment for XX/XX/XXXX, submitted and provided to start autopay. 
XXXX. Mortgage insurance paid in advance to XXXX XXXX from payee at XX/XX/XXXX loan sign date. 
XXXX. 3 months in advance payments made to escrow at sign date ( XX/XX/XXXX ) for FHA And Escrow. 
XXXX. {$2200.00} transfer from XXXX XX/XX/XXXX XXXX. XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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.

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 XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$20000.00}

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 2024-02-24 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:
On XXXX XX/XX/2024 XXXX of the Atty Gen reported on my credit I was past due and due to that my credit has degrees XXXX points. I contacted the office and explain I join the XXXX as XXXX XXXX so during my training I did not have access to my phone to make the payments but soon as I did I cleared the account and in the bottom I attached prove of account been cleared and prove of my XXXX XXXX status with start date. However 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 private ( 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 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 2024-02-24 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:
On XXXX XX/XX/year> XXXX of the Atty Gen reported on my credit I was past due and due to that my credit has degrees XXXX points. I contacted the office and explain I join the XXXX as XXXX XXXX so during my training I did not have access to my phone to make the payments but soon as I did I cleared the account and in the bottom I attached prove of account been cleared and prove of my XXXX XXXX status with start date. However 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 private ( 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 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 2024-02-24 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: FL

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 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 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
So I've had this problem with chime where I keep filing and dispute for a charge of {$78.00} not this is a charge that I did authorize for a purchase on a website that at first I thought was legitimate and then turned out to be a scam website so then when I proceeded to file a dispute to chime so I can get my money back because for starters the product that I purchased never arrived and second getting in contact with the merchant wasn't going anywhere so I filed my dispute not XXXX thing to keep in mind I purchased this item on XX/XX/XXXX then I probably filed the dispute sometime between XX/XX/XXXX through the XXXX and to this day I've yet to get this item I purchased and I'm still fighting with chime to get my money back and every time I ask them why did they climb my dispute they told me it was because there was no error in the billing when that wasn't my problem to begin with I never received the item that I purchased which was my problem

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
On XX/XX/XXXX I sent a letter to Midland Credit Management , INC requesting validation of the debt they claim I owe. 

On XX/XX/XXXX dated XX/XX/XXXX I received a letter from Midland Credit Management XXXX INC stating that they opened an investigation regarding my dispute, and was awaiting additional documents from the seller and it could of taken up to 90 days. 

On XX/XX/XXXX I sent a letter to Midland Credit Management , INC stating that by not replying in a timely manner to my initial letter on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

On XX/XX/XXXX I sent a letter to Midland Credit Management , INC stating that by not replying in a timely manner to my initial letter on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

On XX/XX/XXXX dated XX/XX/XXXX I received a letter from Midland Credit Management , INC stating After reviewing the information I provided, their account notes, and information provided by the previous creditor, they concluded the information their information is accurate. 

Midland Credit Management , INC in violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM 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