vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase account closed 6 weeks ago due to lack of chase helping with disputed charges. Chase took a {$500.00} payment on 6 week closed account and is saying they cant help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding a medical debt reported by USCB America that I believe is beyond the statute of limitations. The debt is listed as delinquent as of XX/XX/XXXX, and under California law, the statute of limitations for collecting medical debt is XXXX years. This means that USCB America can no longer legally pursue this debt after XX/XX/XXXX. I have not received any prior communication regarding this debt, nor have I been served with any legal action. I am concerned that USCB America is attempting to collect on a debt that is no longer enforceable, which I believe violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). I request the CFPB 's assistance in resolving this matter and ensuring that my consumer rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
On XX/XX/XXXX I called into XXXX at XXXX ( XXXX mins ) Spoke with supervisor " XXXX '' who informed me that when calling in there was still no update on the dispute submitted, however she would be able to handle my request for an update at that time. She placed me on hold to review the documents I mailed in, and when returning she informed me, she would be having the account removed based on the documentation I submitted over, and it would take XXXX hours to show on my credit profile. On XX/XX/XXXX I called in to request an update and was informed by supervisor " XXXX '' at XXXX ( duration XXXX ) that I was wrongly informed and there would be no honoring of the removal the previous supervisor had informed me would occur. I was then told that the dispute was closed out the same day XX/XX/XXXX with the account being verified as accurate. I requested a investigation of the call that was taken on XX/XX/XXXX so someone higher up could listen and honor what I was told, she provided me a complaint number ( # XXXX ) and I also requested she send the supervisor a message so that she is aware of what has occurred and can correct the error on XXXX side promptly. At XXXX XXXX confirmed she sent over a message to XXXX but could not transfer me to her at that time because she was unavailable. This collection account being removed earlier this year by XXXX, XXXX, AND XXXX proved this should have never been on my credit initially. Now only XXXX is the only company who is allowing this collection to be placed back onto my credit as double jeopardy for a lower amount when the facts were proven is illegal. [ The documents attached show a previous statement that was pursued and was ultimately removed from my credit, a screenshot of when the collection company contacted me in XXXX with the balance as shown, a revised statement that is falsely being pursued- the original creditor was not responsive when I contacted them along with when the collection company contacted them - the collection company falsely revised the statement for their own personal gain, a recording of the collection company is also attached and clearly confirms what I have indicated above. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I had a XXXX XXXX XXXX, XXXX ago broke down, transmission issues. Filed XXXX and its discharge years ago! Ally Bank still shows it on my records, causing me negative adverse affect of too many inquiries, high principal and interest rates please the headaches of deny Credit, as a result am requesting XXXX last XXXX discharged on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Department, Subject : Dispute of Fraudulent Account and Past Due Payment My name is XXXX XXXX, and I am writing to dispute a recent matter concerning a past due payment of {$1000.00} associated with a XXXX XXXX  account. I have received multiple letters regarding this debt, but I have no recollection of ever opening a bank account with XXXX XXXX. 

As a minor, I have never personally opened a bank account, and I believe this account was created fraudulently as part of identity theft. I am approaching the age of XXXX and would like to resolve this issue promptly. I have filed a report with identitytheft.gov and am in the process of submitting another report with the Consumer Financial Protection Bureau ( CFPB ). 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that XXXX XXXX  investigate this issue and take the necessary steps to close the fraudulent account and remove any associated debt. I should not be held responsible for a debt resulting from actions I did not authorize. 

Please confirm once this matter has been resolved. Thank you for your prompt attention to this issue. 

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 2024-10-07 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: 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.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: NY

Complaint narrative:
unfortunately i am a victim of XXXX XXXX of Debt XXXX. i have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after i supply proof of who i am as well as a victim determination letter according to 1022.124 ( B ) ( 6 )

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 2024-10-07 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: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I am dealing with a nightmare as Shellpoint Mortgage is failed to correct the loan modification documents to show a current due date for the first payment and update the amounts. The loan was originally my sister 's, XXXX XXXX, who passed away. I am the Successor in Interest and working on assuming my sister 's loan. 

My loan was previously with Specialized Loan Servicing ( SLS ) and I was approved for a trial modification where I made my XXXX trial payments. SLS then sent out the final loan modification/loan assumption documents where they were all botched up with wrong names on them. While the law firm that is working for me was addressing the issue, they closed out the loan modification. My law firm fought to have it reopened, which it was, but they during that time, they wouldn't accept payments from me so I could continue making trial payments until the final loan modification documents were corrected and finalized. During that nightmare, my loan transferred to Shellpoint who has made matters a XXXX times worse! They don't care that SLS stopped accepting my trial payments while they were working on fixing their mistakes on the documents. So when Shellpoint got the final loan modification documents drafted properly, they wouldn't finalize the loan modification unless I paid all of the payments after my last trial payment which is not ok! I have also attached the Dispute that my law firm sent to them which they still denied the request to fix their mistake. This is completely unacceptable! 

So now I am in the process of losing my home and having to sell it due to Shellpoint failing to update the loan modification with the correct information so that I can start making my payment and keep my home!

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-07 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: SC

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX, has violated my rights. 


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 2024-10-07 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: TX

Complaint narrative:
I am writing again to file a formal complaint against XXXX and TransUnion for willfully and negligently failing to comply with the Fair Credit Reporting Act ( FCRA ). Despite my formal dispute and XXXX subsequent deletion of the collection account in question, both XXXX and TransUnion continue to report the inaccurate and unverified collection account on my credit reports. This action directly violates federal law and has caused substantial damage to my credit standing, for which I am now seeking monetary damages. 

Background : I disputed a collection account reported by XXXX XXXX on all three credit reports ( XXXX, XXXX, and TransUnion ). 
XXXX completed an investigation, determined the account to be inaccurate or unverified, and removed it from my credit report. 
XXXX and TransUnion have refused to comply and continue to report the collection account as valid, despite the lack of validation and XXXX removal. 

Violations of the FCRA : 1.Failure to Ensure Accuracy 15 U.S.C. 1681e ( b ) : Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Both XXXX and TransUnion have failed to meet this obligation by continuing to report inaccurate information that XXXX has determined to be invalid. 

2.Failure to Investigate and Correct Errors 15 U.S.C. 1681i : As part of my dispute process, I requested an investigation into the validity of the collection account. Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation into disputed information. The continued reporting of this collection account by XXXX and TransUnion, after XXXX deleted the account, indicates that these agencies have failed to conduct proper investigations and have not corrected the erroneous information on my reports. 

3.Willful Non-Compliance 15 U.S.C. 1681n : Both XXXX and TransUnion have willfully failed to comply with their duties under the FCRA by continuing to report the inaccurate collection account. Their refusal to correct these inaccuracies, despite evidence provided during the dispute process, constitutes willful non-compliance, for which I am seeking actual and statutory damages as allowed by law. 

4.Negligent Non-Compliance 15 U.S.C. 1681o : In addition to willful non-compliance, XXXX and TransUnion have acted negligently in maintaining inaccurate information on my credit reports. As such, I am entitled to recover actual damages and legal fees as provided by 15 U.S.C. 1681o.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health.

Company response to consumer: Closed with explanation