vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
There are several inaccuracies on my consumer report that i would like removed all names and variations of any names should not be present on my credit report under the name section I would only XXXX XXXX on my consumer report. no other names. There are several non mailable addresses that I can never be reached at on my consumer report that i would like removed. only the address XXXX XXXX XXXXXXXX XXXX XXXXXXXX should be present on my account Accounts XXXX XXXX  Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a collection account onto my consumer report that is identifiable by the following information On XXXX XXXX this account is listed as XXXX XXXX  # XXXX Placed for collection : XX/XX/XXXX Balance : {$430.00} Date Updated : XX/XX/XXXX Original Amount : {$430.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Past Due : XXXX $ XXXX Account Type : Open Account Individual Account Open Account DEBT BUYER On XXXX this account is listed as XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$430.00} Balance updated XXXX XXXX, XXXX Original balance {$430.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$430.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX On XXXX its reported as XXXX XXXX XXXX  Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. Remarks Consumer disputes after resolution Collection account Original Creditor Name No Info according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that this inaccurate information be removed 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 explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I was contacted by Credit Karma fraud prevention on XXXX XXXX indicating unusual activity on my card. It was disheartening and troublesome to hear this report. After Confirming with them it was not me and not having possession of my debit card, they blocked the card to further prevent fraud and use. I received text notifications of multiple attempts being made in different amounts which was outrageous. It was clear then my card was lost/stolen and someone evil gained access to it. We can not locate itanywhere! It appears however there were a bunch of little charges and a large one amounting {$1900.00} which hit my account from XXXX knows who or where! I was unable to open a dispute that day and was told I had to wait for them to settle or drop off. On XX/XX/2024 I called Credit Karma to initiate a dispute ( dispute ID XXXX ) after noticing the charges settled and removed from my account. On XX/XX/2024 Credit Karma contacted me for more info such as when my card went missing and what was the last transaction I made. I provided them this information to the best of my knowledge however Credit Karma neglected the facts, fraudulent charges, declined attempts by these terrible people. Credit Karma closed-denied my dispute and brought trouble to my life of XXXX. I don't use this card for anything and the only transactions was my deposits. Requested Credit Karma reopen this matter and properly conduct a thorough investigation and they'll see that this is clearly fraud and unauthorized transactions! I am protected against things like this per Reg XXXX and they shouldn't neglect this. I don't make much money and this is hard to swallow. I am seeking help please regarding this matter, this is very much wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/24, made a XXXX booking with Southwest Chase Credit Card for travel XX/XX/24 - XX/XX/24 with original charge in amount of {$380.00} and an additional charge for remainder balance of {$500.00} on XX/XX/24 for total of {$890.00}. XX/XX/24, XXXX XXXX XXXX  advised not to travel due to severe winter conditions that will lead to whiteout conditions, making travel extremely dangerous. Communicated with XXXX  host for a full refund understanding their cancellation policy at time of booking outlines specific dates and details of partial and full refund in hopes host would be understanding but wasnt. Host then indicated he would be opened to a refund of {$320.00} ( taxes and cleaning fees ). I reached out to XXXX  customer support 5x asking if the extenuating circumstances policy applies in this instance, and received mixed responses of 1 ) work with the host 2 ) host is opened to a potential full refund the same day we were in contact, if I cancelled the reservation on my end that day, and theyre able to get another customer to book their place. So, I cancelled the reservation and got a refund of {$220.00} noted on credit card statement on XX/XX/24 ( less than what the host said originally of {$320.00} ). On XX/XX/24, filed a dispute with Chase credit card company of the charges and provided all of my supporting documentation with the host, XXXX  customer support, and the XXXX XXXX XXXX XXXX. On XX/XX/24, received a notice of the outcome that charges were valid and the 12 page letter outlined the cancellation policy, terms and agreements I agreed to at time of booking and XXXX  informing the credit card company I did not try to work with XXXX  to resolve this issue which is NOT true. On XX/XX/24, contacted Chase credit card to learn how to file an appeal of the dispute outcome. Followed the process I was advised and uploaded supporting documentation again of my attempts to work with XXXX  customer support who gave varying responses. On XX/XX/24, got an updated letter from Chase stating my dispute was forwarded to XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I had a account with ROAMANS through Comenty Bank for 2 to 3 years. A representative called me on XX/XX/XXXX for a payment. The representative asked me if I would like to pay the account in full and I said yes. I made a payment of {$67.00} which was the total amount owed. A final letter was sent out to me on XX/XX/XXXX, stating that if I have paid the account in full with one transaction that the fee would be included. I heard nothing from them in XXXX or XXXX about any extra fees or late charges. I recently heard from them in XXXX of XXXX. The first time we spoke the representative told me it was for late fees. I called a spoke with another representative about 2 weeks later, after I found the letter and was told the payment was for interest. What I know about Comenty bank is if you are more than one day late with a payment, they will call continuously, 2 to 4 times a day. Which is why I '' m not understanding why it took them over 4 months to contact me with this issue. Also why would they send me a final letter when there was no correspondence in the years I had an account with them before this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-10 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:
I have reviewed my XXXX credit report and found discrepancies in the information provided. I can assure you that the information in question is inaccurate, and it is negatively impacting my creditworthiness. 

I am requesting a thorough investigation into this matter and urge you to correct the inaccuracies promptly. 

Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and accurate credit report. Therefore, I expect this issue to be resolved within the timeframe stipulated by law. 

Following Accounts are not accurate : XXXX ) XXXX XXXX XXXX  - Account Number XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXX XXXX XXXX  - Account Number - XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXX  XXXX  - XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Account Number - XXXX - Has Incorrect Payment status, The account is not accurate

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reviewed my XXXX credit report and found discrepancies in the information provided. I can assure you that the information in question is inaccurate, and it is negatively impacting my creditworthiness. 

I am requesting a thorough investigation into this matter and urge you to correct the inaccuracies promptly. 

Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to a fair and accurate credit report. Therefore, I expect this issue to be resolved within the timeframe stipulated by law. 

Following Accounts are not accurate : XXXX ) XXXX XXXX XXXX - Account Number XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXX XXXX XXXX  - Account Number - XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXX  XXXX  - XXXX - Has Incorrect Payment status, The account is not accurate XXXX ) XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX - Account Number - XXXX - Has Incorrect Payment status, The account is not accurate

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 2024-04-10 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with XXXX, TransUnion, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source.

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports.

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately.

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with Experian, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I applied for a discover it credit card and was told I had a fraud alert on my credit report. I can not get in touch with a live person to verify this. As I did not request a freeze or alert on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
XXXX XXXX has taken over this account. I had this account with Covington Credit, and had a payment arrangement and then was XXXX  with a XXXX. During that time my account was sold to XXXX XXXX. They call my phone 3 times a day, call my wife even if I talk to them and call me everyday even after talking to them. They threaten me with a lawsuit every call. They will not let me dispute debt or give proof of debt. They told me today they could call me 9 times a day if they want. The " manager '' today said that they could call or come to my home or work whenever they wanted. They also told me they won't honor previous payment arrangement because they won't get paid. My XXXX was even laughed at by the manager. I told then I would pay them that day, but they told me I would see them in court and good luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I comprehend that under FCRA XXXX, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

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 2024-04-10 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:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-04-10 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: NY

Complaint narrative:
my credit report should reflect my current address which i resided over 10 years. experian has not updated my report to reflect only that address however i reached out to XXXX and XXXX  both updated my personal information to reflect the correct information. only experian has not complied with the FCRA. I have included again a notarize letter signed by a notary attesting to fact that I live at my current address and to remove the other addresses on my experian account specifically XXXX XXXX XXXX in virginia and the po box on new york needs to be removed as well. i will up load documents to support my dispute.

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 2024-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I owe approximately {$76000.00} on a home that has a value of approximately {$420000.00}. I am XXXX XXXX XXXX and XXXX, living on Social Security XXXX. My husband left me recently and without his income, I am not able to make the monthly payment. We were hard hit financially because of XXXX. At the very least, I could rent out my other XXXX bedrooms in order to pay the monthly mortgage payment. I called and sent Bank of America a letter explaining my situation and telling them why my XXXX payment was not made. XXXX is late now too. I never spoke to any loan officer or anyone other than in my first phone call. They refuse to offer me any other solution except to SHORT SALE my home. They did not offer a loan modification or a forbearance. They are proceeding with foreclosure on my home. I have absolutely no place to go. If they foreclose on my home, I will become homeless immediately. They did not even try to work with me on anything in order to come to a less drastic solution and a solution which will definitely result in me becoming homeless. Everything that I am reading says that everyone should do everything to avoid creating more homeless people. I do not believe it is fair what they are trying to do to me. Can you help me please. I am scared now.

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 2024-04-10 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 to follow up on my previous communications regarding the correction of a late open account. This serves as the first follow-up attempt to address this matter. 

I understand that administrative errors can occur, but it is imperative that they are promptly acknowledged and corrected to prevent any further complications. The delayed resolution of this issue is not only inconveniencing but also reflects poorly on your organization 's commitment to customer service and accuracy. 

I would appreciate it if you could provide me with an update on the status of the correction and an estimated timeline for its completion. Additionally, if there are any further actions required on my part to expedite the process, please do not hesitate to inform me. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$9000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief