vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Once again, this is my third and final attempt. I am a victim, identity, theft, and right to dispute this information. My file result from the crime I have repeated and reported this information over and over again. I was incarcerated when this fraudulent and inaccurate and negative account was issued. I have had this account erased properly and proven to the other consumer reports and credit bureaus and I have had no problem getting it taken care of however, these two companies XXXX and XXXX XXXX XXXX XXXX will accurately investigate and

properly remove these fraudulent accounts. Required section of fair credit report, USC 1681. Im requesting that these items immediately be removed.! Is derogatory and fraudulent on my credit report because it is also illegal. 

XXXX XXXX XXXX XXXX  Closed account XXXX Charged off XXXX XXXX Immediately remove this please its immaculate fraudulent and not to mention That I have also provided the collection company letter for XXXX XXXX XXXX that was sent to me telling me that they are ceasing in assisting and that I am no longer responsible for this because it is not mine and Why would the collection company of the original creditor XXXX XXXX cease in the Immediately stop collecting and your company will not. I am done asking XXXX XXXX to immediately remove this fraudulent account from my report or I will be taking action because my fair credit report laws are being violated and it is affecting me negatively. Thank you. 

I have provided the companies with the FTC report. The XXXX XXXX XXXX XXXX reports I have complained. I have provided police reports now I have also provided the letter from the company that ceasing the assisting, which is the collection company so why would the original original account account not get erased make it make sense XXXX? 
I also immediately want my information erased from these companies database because it is negatively affecting me from future accounts and future reputable relationships with these companies because I am negatively in their database, which is unacceptable because it is not my fault and I have amazing credit and I pay my bills and this was not opened by me and is fraudulent and I deserve the right to have it removed immediately. Also, I want removed negatively from your database so that I may one day ask or get granted credit in the future, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: IL

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX, 2024 the vehicle was involved in a car accident and it was totaled The Insurance Company, paid Chase the full value of the loan. This payment was made in XXXX. 
Since that time, Chase continues to draw money from my account for this loan even though it was fully paid off with the insurance check. 
I have asked them to stop, and to provide a lien release so that I can obtain another car,. 
At this point, it has been over 6 months that I have not had a car, and I have been required to continue to make loan payments on an account that has been fully satisfied. 

I am unable to get a new car, and I am unable to perform my required job duties since I can not get a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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:
I disputed a fraudulent account with Transunion a few months ago because someone open an account with XXXX that I did't authorize. 
The account was investigated and proven to be fraud and it was removed. However, XXXX sold this account to XXXX XXXX XXXX which reported late payments on my credit report. They have never contacted me or sent out a letter. When I spoke with a representative NO ONE knew that this account was FLAGGED fraudulent but told me it could only be removed if i paid the balance due or make a payment arrangement.

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 2024-09-12 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: MS

Complaint narrative:
My accounts 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/updated.

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.

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!

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 2024-09-12 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: MI

Complaint narrative:
Account info XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Secured Loan XXXX  Account Name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Secured Loan Tranunion XXXX  Account Name : XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Credit card Account Name : XXXX Account number : XXXX Account Balance : {$5300.00}. 
Date opened : XX/XX/XXXX Account type : Revolving Account Account Name : XXXX XXXX Account number : XXXX Account Balance : {$770.00} Date opened : XX/XX/XXXX Account type : Revolving Account Account Name : XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Revolving Account Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( I ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information, that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report immediately

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 2024-09-12 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: MI

Complaint narrative:
Account info XXXX  Account Name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Secured Loan EquifaxXXXX  Account Name : XXXX XXXX XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Secured Loan XXXX XXXX  Account Name : XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Credit card Account Name : XXXX Account number : XXXX Account Balance : {$5300.00}. 
Date opened : XX/XX/XXXX Account type : Revolving Account Account Name : XXXX XXXX  Account number : XXXX Account Balance : {$770.00} Date opened : XX/XX/XXXX Account type : Revolving Account Account Name : XXXX Account number : XXXX Account Balance : {$0.00} Date opened : XX/XX/XXXX Account type : Revolving Account Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( I ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information, that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing in response to a collection notice I received from your agency regarding a debt that you claim I owe. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information :.

1. The original creditor of the debt 2. The amount of the debt 3. The date the debt was incurred 4. Any documents proving that I am responsible for this debt 5. A copy of the original contract or agreement I am also requesting that you cease all collection activities until this debt has been validated. Please send me the requested information within 30 days of receiving this letter.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
Was set up on auto pay, then they kicked me off auto pay, and didn't realize it for 3 months, they called for 3 months back payment, but would not take th3 payment over the phone, it had to be mailed in, and all future payments would have to be mailed cause I was on probation till XXXX of XXXX... so mailed back payments and every other month there forward all with bank checks... the last 2 months were rejected for to much writing on the the check, numbers like account #, address it's for, name, month it's for. All payments before this was made, but then stopped... so I sent in another one with everything right and put the info on a post it note, they denied it again ... they won't tell me how to pay and will not take payment any other way than thru the mail...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/2021 Amount : XXXX I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincere 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 non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Aspen Yo LLC
State: PA

Complaint narrative:
MY MORTGAGE HAS BEEN SOLD 5 TIMES, THIS TIME IT WAS SOLD TO GREGORY FUNDING LLC WHIC IS BASED OUT OF XXXX, OR .MY PAYMENTS HISTORY HAS CONSTANTLY HAVE ERRORS EACH AND EVERY MONTH FOR THE PAST YEAR. WHEN YOU CALL YOU STAY ON THE PHONE FOR HOURS AND STILL NO RESOLUTION. WELP, MY MORTGAGE WAS TRANSFER OUT TO A COMPANY NAME " XXXX '' IN XX/XX/year> AND I WAS TOLD BY SEVERAL EMPLOYEES THAT IT WILL TAKE 60 DAYS FOR ALL MY INFORMATION TO BE TRANSFERRED .NEEDLESS TO SAY ITS NOW XX/XX/year> AND NO MONEY HAS BEEN ALLOCATED TO THE CORRECT YEAR OF XXXX .I WAS TOLD BY A REP/SUPERVISOR NAME XXXX THAT NOTHING WAS TRANSFERRED TO THE YEAR XXXX ONLY FOR THE YEAR XXXX WITCH IS FALSE REPORTING. AT THIS POINT EACH TELEPHONE NUMBER YOU CALL SUCH AS XXXX OR XXXX IS DISCONNECTED AND I CAN NOT RESOLVE THIS ISSUES TO CORRECT THE PROBLEM OF MISSING PAYMENTS OR GETTING MY MONEY BACK FROM XXXX XXXX WHILE GREGORY FUNDING MISHANDLE MY { MONEY } MORTGAGE PAYMENTS.

Company response to consumer: Untimely response
Consumer complaint received 2024-09-11 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: LA

Complaint narrative:
MAILED ( CERTIFIED ) VERIFICATION LETTERS FOR COLLECTION ACCOUNTS TO ( EXPERIAN / XXXX / XXXX ) ON XX/XX/year> MAILED ( CERTIFIED ) CREDIT REPORT HIGHLIGHTING INACCURACIES TO ( EXPERIAN / XXXX / XXXX ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> ) MAILED ( CERTIFIED ) XXXX PROOF OF PAID ACCOUNT TO ( EXPERIAN / XXXX / XXXX ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> ) MAILED ( CERTIFIED ) XXXX XXXX PROOF OF PAID ACCOUNT TO ( EXPERIAN / XXXX / XXXX ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> )

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 2024-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX contacted XXXX XXXX XXXX about her inheritance after her grandmother, XXXX XXXX XXXX, died around XX/XX/year>. XXXX stated that he was the family lawyer, an agent of the US federal government and an agent of the IRS and that XXXX was a bank representative from Bank of America. XXXX explained that XXXX 's grandmother had a will and that she was giving XXXX XXXX houses and over XXXX XXXX dollars. But for XXXX to get access to the real estate property and money XXXX had to pay the IRS back tax money that was owed. XXXX contacted XXXX XXXX and myself about this and asked if we could pay the taxes because she didnt have any money to do this. We sent over $ XXXX as a team to XXXX XXXX, an employee at Bank of America. This was too fulfill this obligation to get access to the estate. XXXX then asked for more and more money and said the IRS was adding late fees and interest every 10 days. He also stated that he worked for XXXX XXXX, but the routing/account numbers didnt match their records. This alerted me and I have done research to find out what was happening XXXX and Bank of America failed to protect me as a consumer. The wire was sent to a Bank of America site and I was told they were an employee. Why would XXXX allow me to wire money to a address that was a Bank of America address. Why would Bank of America allow a person to use their address for an account?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: MD

Complaint narrative:
Hi, these companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted TransUnion and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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