vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
New Rez Claims department is not releasing funding to complete the work being done on my home. They have received my claims checks from me already and keep giving me the run around to get additional funding released. They stated I needed an inspection done by their third party and I have not heard from them in regard to scheduling any inspection. I was told it would be 3-5 days and we are now past that time frame. 
I am now needing to pay additional money for trusses and labor out of my own pocket again which will now put me at over {$30000.00}. I have not had any contact or anything from my claims manager. I will in the following week also need to pay for plumbing and electrical and labor again, which will be another {$15000.00} to {$20000.00} dollars out of my own pocket, while Newrez has my claims money. 
I have had to acquire and attorney and am now taking out a personal loan to pay for the completion of construction.

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 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
My account has been closed without notice. Tried to contact Schwab many times but they don't respond. Went to branch per their instruction today but branch said they can do nothing and won't let us know the reason

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I do not believe this is mines. Can you provide me with a letter of validation. Also an explanation of the balance, a calculation of the balance so I can make sure this is correct, a document that shows I agree to pay this debt, a agreement that shows you have the right to collect this debt, and a copy of your license and license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: IL

Complaint narrative:
Dear CFPB Team, I am submitting a formal complaint regarding unauthorized inquiries that appear on my Equifax credit report. Upon reviewing my credit report, I discovered inquiries that I did not authorize, either verbally or in writing. I have contacted the creditors associated with these inquiries, and they have provided no proof that I initiated or authorized them. This lack of evidence directly violates the Fair Credit Reporting Act ( FCRA ), which mandates that only inquiries with a permissible purpose may be included in a consumer report.

According to Section 604 of the FCRA, consumer reporting agencies may only include inquiries when there is a legitimate business need, and the consumer has initiated the transaction. As there is no such authorization or purpose for these inquiries, they should not be present in my report. Additionally, Section 609 of the FCRA requires credit reporting agencies to physically verify and retain original consumer authorization for each inquiry listed.

I demand that Equifax provide verifiable proof of authorization for these inquiries, specifically by producing original consumer contracts with my signature. Without such verification, the FCRA mandates the removal of unverifiable inquiries to avoid negatively impacting my creditworthiness. 
The unauthorized inquiries on my Equifax report are as follows : Creditor : 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 XXXXXX/XX/year> I respectfully request that the CFPB investigate why Equifax has not removed these unauthorized inquiries and ensure Equifaxs compliance with the FCRA by promptly verifying or deleting these inquiries as required by law. 
Thank you for your attention to this matter and for helping ensure that Equifax maintains only accurate and authorized information on my credit report. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: IL

Complaint narrative:
Dear CFPB Team, I am submitting a formal complaint regarding unauthorized inquiries that appear on my Equifax credit report. Upon reviewing my credit report, I discovered inquiries that I did not authorize, either verbally or in writing. I have contacted the creditors associated with these inquiries, and they have provided no proof that I initiated or authorized them. This lack of evidence directly violates the Fair Credit Reporting Act ( FCRA ), which mandates that only inquiries with a permissible purpose may be included in a consumer report.

According to Section 604 of the FCRA, consumer reporting agencies may only include inquiries when there is a legitimate business need, and the consumer has initiated the transaction. As there is no such authorization or purpose for these inquiries, they should not be present in my report. Additionally, Section 609 of the FCRA requires credit reporting agencies to physically verify and retain original consumer authorization for each inquiry listed.

I demand that Equifax provide verifiable proof of authorization for these inquiries, specifically by producing original consumer contracts with my signature. Without such verification, the FCRA mandates the removal of unverifiable inquiries to avoid negatively impacting my creditworthiness.

The unauthorized inquiries on my Equifax report are as follows : Creditor : 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 XXXXXX/XX/year> I respectfully request that the CFPB investigate why Equifax has not removed these unauthorized inquiries and ensure Equifaxs compliance with the FCRA by promptly verifying or deleting these inquiries as required by law. 
Thank you for your attention to this matter and for helping ensure that Equifax maintains only accurate and authorized information on my credit report. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase : XX/XX/XXXX ( date letter received, doesnt give app date ), it doesnt give an amount applied for. None. They said it was fraud and to not take action. 

XXXX XXXX : XX/XX/XXXX ( date letter received, doesnt give app date ), it doesnt give an amount applied for. None ( didnt call because XXXX XXXX filed as fraud ) XXXX XXXX ( 2letters sent ) XX/XX/XXXX is when I received the letter. 
They took my fraud claim ( also for the others that popped up ) told me to also report to credit beraus Also got letters from XXXX, XXXX XXXX ( for packages ) and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
I never received any notice of debt. I disputed the inaccurate report information and have asked to be provided with proof via receipt of certified mail proving that I agreed to pay this debt, including any and all documents with my signature. That has not been provided and Its been 45 days since the dispute. The collection is still reporting to my credit report. I called the collection agency and they advised even though they are re-investigating the dispute and can not provide verifiable proof, they are refusing to remove it from my credit report. If they can not prove that I owe this debt and send proof of my signature stating I agreed to pay them this debt, It is a violation of my rights and it should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I charged a unlimited vacation total of {$11000.00} to my card and subsequently disputed the charge, once I was able to review the website and see prices after falsely advertised. I also charged {$2900.00} to my XXXX XXXX card. XXXX stated I was responsible for the boat trip of {$3000.00}. The charge from XXXX XXXX pretty much covered it. I explain this to Apple card more than 5 times. Over the course of trying to get my money back. It took more than 6 months to settle this dispute. However, my account was supposedly corrected months ago and yet I still don't have access to the {$17000.00} only {$10000.00} at a time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-04 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-11-04 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: IN

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: OH

Complaint narrative:
I am writing to you once again regarding the unauthorized credit inquiries that still appear on my credit report. As a consumer, I am entitled to accurate information reported about me under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute and my request for an investigation into these inquiries under Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) of the FCRA, I have yet to receive a satisfactory resolution or sufficient documentation justifying the presence of these inquiries on my credit report. 

Disputed Inquiries : 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 

Legal Basis for the Dispute : Under Section 611 ( 15 U.S.C. 1681i ), you are legally obligated to investigate and correct any inaccurate or incomplete information in my credit report. Failure to correct inaccurate information after an investigation is a direct violation of the FCRA. Additionally, Section 604 ( 15 U.S.C. 1681b ) specifies that credit inquiries may only be made for permissible purposes. The inquiries listed above were not authorized by me and do not serve any permissible purpose under this law.

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 2024-11-04 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.

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 2024-11-04 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: IL

Complaint narrative:
According to fcra law 15 usc 1681 b I have the rights to privacy I did not give Experian the rights to furnish my information ( written nor verbal consent ). No consent equals identity theft. These accounts need to be removed from my credit report immediately or I will take legal action for these violations in the amount of {$1000.00} per violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these accounts within 7 days

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 2024-11-04 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: WI

Complaint narrative:
Identified billing mistakes in recent credit report ; late payments dont reflect usual on-time payments. Please correct these errors.

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 2024-11-04 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: CA

Complaint narrative:
I am writing to request the immediate blocking and deletion of fraudulent accounts listed on my credit report due to a data breach in which my personal information was compromised. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that the accounts below be removed from my report without delay. 
XXXX Accounts XXXX. XXXX o XXXX XXXX : XXXX o Filing Date : XXXX o Amount : {$0.00} XXXX. XXXX XXXX Account ID : XXXX o Date Opened : XXXX o Amount : {$0.00} XXXX. XXXX  XXXX o Account ID : XXXX o Date Opened : XXXX o Amount : {$0.00} XXXX XXXX o Account ID : XXXX o Date Opened : XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX o Account ID : XXXX o Date Opened : XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX o Account ID : XXXX o Date Opened : XXXX o Amount : {$3200.00} XXXX. XXXX  o Account ID : XXXX o Date Opened : XXXX o Amount : {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: MA

Complaint narrative:
Im a XXXX  person. I never had a Bank account, credit card, or lone, I am trying to open my first Bank account with XXXXXXXX XXXX but they can't because somehow I'm reported on Experian, I tried to fill out an online form but I'm getting an error, the error tells me to call a number but the number is operated by an IA and tells me to go to the website where I'm getting the problem that tells me to call, I can't get a human to contact me, this is extremely frustrating, A company that has the power to prevent you from opening a bank account should have great customer service, Y cant Know what the problem is with my credit score, I can't see if I'm a victim of fraud, I can't open my first bank account. 

I am XXXX XXXX XXXX, I can't exit my house, for the first time in my life someone offered me a job that I can do frome home, Now turns out it's almost impossible for me to open a bank account after hours trying on different banks and getting on the phone with the bank they finaly tell me that Expedian has a report on my sotial security number, I never used my social for anything, this is my first time tring to open a bank account. 

After spending a lot of time trying to get the information I needed from the web, and getting the same error several times, I tried calling the phone they gave and it's a useless artificial intelligence, I tried to explain the problem and say that I needed to talk with someone and the thing tells me to go to the web site and hangs on me. I am so frustrated, disappointed, and scared, I just want to open a bank account, want to know why my social is flagged, please, Can someone help me?

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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation