vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 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: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Upon checking my credit report on XXXX XXXX XXXX agency. I noticed several inaccuracies involving multiple accounts in direct violations of the Fair Credit Reporting Act section15USC 1692 ( C ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
Accounts in violation such as follows : Account names, numbers, and addresses : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX XXXX. Acima Digital Fka Simp, XXXX, XXXX XXXX XXXX XXXX FL XXXX, UT XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX I never gave any of these companies written consent to furnish such information by no means whatsoever please cease and desist all communications immediately!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have a XXXX ARM with Chase, beginning inXXXXThe first adjustment was made XXXX, XXXX  My rate went from 3.62 to 8 %. My understanding is the rate can only go up no more than 2 % annually. Chase says the initial adjustment can be up to XXXX points. That is not documented. My payment went up nearly {$600.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I've been taking the proper steps to fix my credit report for, months & yet they still have an account still reporting to my credit report : PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX I'm overwhelmed with confusion and frustration on why it's still reporting to all bureaus ; this debt was unfamiliar, and despite my requests for validation under consumer protection laws, their response was evasive and non-compliant. They had sidestepped the regulations meant to safeguard consumers, ignoring my rights to verification and transparency. It's been more than 30 days and all they say is they have updated everything and nothing gets changed from my dispute process on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: Westlake Services, LLC
State: MD

Complaint narrative:
I did NOT authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX WESTLAKE FINANCIAL, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, to run my credit report. I have filed a FTC identify theft report and want the inquiries removed from my credit.

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 2024-07-13 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:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXXXXXX XXXX  ( XXXX ) I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these late payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligation without delay. I am trying to get approved for apartments and for a place to live this is hindering me from doing so please help as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: VA

Complaint narrative:
Found items on my report that were 7years old and more. Asked for them to be removed. Equifax response was that I was requesting a reinvestigation into the validity of the account. I called the customet service and was told that it was Equifax policy to keep items they deemed " positive '' on the credit report for 10years. I told them I would dispute because the regulation said 7 years regardless positive or negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
This is just additional information to my complaint I filed # XXXX. 

I hadn't been receiving any statements by mail or email. They said that I was. However, after bringing up these issues to Comenity I just received my first statement notification by email. Doesn't seem right that I wasn't receiving my statements monthly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reported Identity theft to Bank of America commencing in XXXX. I received an award. 
However, the identity theft persisted and I reported the replacement card ( s ) to Bank of America in XXXX. I did not hear from Bank of America regarding my identity theft claim for over a year. The accounts were reported to the FTC as unauthorized accounts. The accounts were closed. Recently on XX/XX/XXXX, I received a Statement only from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX for a Bank of America card debt which is not mine. I never had an account ending in XXXX I do not have the entire account number nor have I received bills from Bank America. I sent a XXXX and XXXX XXXX Mail XXXX XXXX XXXX XXXX XXXX XXXX. USPS confirms XXXX XXXX XXXX received the Cease and Desist on XX/XX/XXXX. I stated in my Cease and Desist I never had an account with Bank of America ending in XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX of XXXX XXXX dated dated XX/XX/XXXX in violation of the Cease and Desist which threatens me with a lawsuit also a violation of credit and collections law. I wish to enforce sanctions on this scam.

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 2024-07-13 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: Exeter Finance, LLC.
State: MD

Complaint narrative:
I did NOT authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EXETER FINANCE LLC XXXX XXXX XXXX XXXX, to run my credit report. I have filed a FTC identify theft report and want the inquiries removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I did NOT authorize ALLY FINANCIAL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, to run my credit report. I have filed a FTC identify theft report and want the inquiries removed from my credit.

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 2024-07-13 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: CA

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-07-13 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: FL

Complaint narrative:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

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 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
American Express advertises that if you get the Delta Platinum American Express card you can enroll in XXXX XXXX XXXX status. They provide instructions to do so through Delta. The instructions do not work and it is actually impossible to " enroll '' to obtain the XXXX XXXX status at XXXX by getting this credit card. I have spent hours with XXXX, XXXX and American Express trying to get this status and it is impossible. Delta sends you to XXXX. XXXX doesn't know/ca n't do. Am Ex sends you back to Delta. This is also a complaint against Delta air which advertises that separately if you reach Silver status, which I have had for years, you can enroll in XXXX XXXX XXXX  status, but there is no actual way to do that enrollment... it is a scam and false advertising by these 3 companies -- Delta, XXXX and American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: SC

Complaint narrative:
This XXXX account XXXX open on XX/XX/year> in the amount of {$19000.00} was deleted from my Experian account over 30 days and was reinserted back into my account after i sent them a letter from the creditor police report and a ftc report. This is clearly a violation of the fair credit act dealing with this fraud 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 non-monetary relief
Consumer complaint received 2024-07-13 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-07-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MS

Complaint narrative:
I received an email XX/XX/year>, that they have an account pertaining to me. Received a letter back in XXXX showing the contract I had with the original company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: CO

Complaint narrative:
DEAR, EQUIFAX I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
Service Finance Company LLC is a subsidiary of Truist. They offer loans for HVAC equipment through XXXX XXXXXXXX XXXX XXXXXXXX based in Pennsylvania. We live in Delaware. During the estimate of the purchase, the financing was offered and the sales manager completed all the information through a online portal on his device. Providing us the contract and items through email for docusign signatory at that time/date. 

The loan was advertised as No Interest/No Payments for 12 months, upon application, it was approved for only 10 months. Interest would then go to XXXX or 12.99 % APR. Loan was originated on XX/XX/year> for install on XX/XX/year> of the equipment. 

Upon maturation of the loan on XX/XX/year>, payment was due on XX/XX/XXXX, and on XX/XX/XXXX the company called stating we were 5 days late and payment amount was {$590.00} per month. None of the previous statements provided that payment amount. I need to check the contract but I don't recall any of the payments being that amount on the loan servicing agreement or spelled out on the agreement. The loan is for 90 months. XXXX / month at 90 months is close to XXXX, way more than 12.99 % interest XXXX. It appears this is a daily interest loan which was not explained or stressed in the initial application and information from XXXX XXXX or Service Finance 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 2024-07-13 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-07-13 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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
I reported Identity theft to XXXX XXXX XXXXXXXX commencing in XXXX. I received an award. 
However, the identity theft persisted and I reported the replacement card ( s ) to XXXX XXXX XXXXXXXX in XXXX. I did not hear from XXXX XXXX XXXXXXXX regarding my identity theft claim for over a year. The accounts were reported to the FTC as unauthorized accounts. The accounts were closed. Recently on XX/XX/XXXX, I received a Statement only from Nelson and Kennard Attorneys at Law XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX for a XXXX XXXX XXXXXXXX card debt which is not mine. I never had an account ending in XXXX I do not have the entire account number nor have I received bills from XXXX XXXXXXXX. I sent a Cease and Desist Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX. USPS confirms Nelson and Kennard received the Cease and Desist on XX/XX/XXXX. I stated in my Cease and Desist I never had an account with XXXX XXXX XXXXXXXX ending in XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX of XXXX XXXX dated dated XX/XX/XXXX in violation of the Cease and Desist which threatens me with a lawsuit also a violation of credit and collections law. I wish to enforce sanctions on this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently obtained a copy of my credit report and have identified multiple inaccuracies and unauthorized information being reported on said report. These discrepancies have had a negative impact on my overall well-being and creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: TX

Complaint narrative:
I have recently obtained a copy of my credit report and have identified multiple inaccuracies and unauthorized information being reported on said report. These discrepancies have had a negative impact on my overall well-being and creditworthiness.

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 2024-07-13 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: GA

Complaint narrative:
Please provide my original signature and other documents so I can review them and see if these accounts are mine.

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 2024-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Please provide my original signature and other documents so I can review them and see if these accounts are mine.

Company response to consumer: Closed with non-monetary relief