vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My consumer report contains accounts linked to identity theft, which I never authorized in writing or with a wet signature. I recently notified your organization about this issue and now formally demand the immediate blocking and removal of these accounts from my report. Their presence has caused considerable emotional and financial strain by misrepresenting my credit history and obligations. If not properly addressed, I am ready to pursue legal action to defend my rights and seek resolution. These fraudulent entries have impeded my ability to achieve crucial financial objectives, including purchasing a home and providing for my family 's needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information 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 2024-08-01 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: TX

Complaint narrative:
My consumer report contains accounts linked to identity theft, which I never authorized in writing or with a wet signature. I recently notified your organization about this issue and now formally demand the immediate blocking and removal of these accounts from my report. Their presence has caused considerable emotional and financial strain by misrepresenting my credit history and obligations. If not properly addressed, I am ready to pursue legal action to defend my rights and seek resolution. These fraudulent entries have impeded my ability to achieve crucial financial objectives, including purchasing a home and providing for my family 's needs.

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 2024-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I XXXX  college in XXXX but received my first statement from XXXX in XX/XX/XXXX regarding my XXXX loan. They sent it to my parents address saying I owe {$3000.00}. The next week they claimed I missed a payment so my loan was now {$5000.00} with interest, one week later! They also tried to charge me late fees for every month going back to XXXX even though they had never billed me until XXXX. I can not get them to remove some of the fees, and when I made up 3 months worth of payments, they applied NONE of my money to principal but instead it all went to their made up fees. I can not get ahold of anyone at the company who can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  NAVY FCU XXXX Navy federal # 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP
State: SC

Complaint narrative:
I have gone through a hardship ( Divorce ) I was awarded the home that I currently have a mortgage on.. I was ordered by the court to assume the loan and have my wifes name removed from the loan.. 
I checked with my mortgage company and they said the loan was assumable.. 
I filled out the assumable loan package that they sent me..they sent me a bill for the application process..I paid it..they immediately denied the loan and when I questioned why, they gave me multiple reasons, which changed over time. They eventually sent me a letter stating that I couldnt prove my residency or my income. 
First off..the original loan that Im trying to assume is a second home loan. 
They said I had to change it to a primary residence loan, which I didnt think that they could change the terms of the loan..I was simply court ordered to remove my ex wifes name. Having said that..the home would qualify as my primary residence anyway..as it is my only home..and my drivers license..all of my vehicles are registered to that address..my voting district is there..and I pay all local, state, and federal taxes to that address..I do have to commute back and forth to work once a week which is XXXX miles, but, that is the hardship of a divorce and I have driven this commute for 6 years, and only have 2 more years till retirement. 
The other reason was I could not prove my income. Which I have sent them both W2s and 1099s.. of which I pay both State and Federal taxes on with years of tax records. 
I have spoken with XXXX XXXX and they have filed a claim on my behave and have been working to get resolution to this matter.. I am now in contempt of court and need assistance in resolving this matter.

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 monetary relief
Consumer complaint received 2024-08-01 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: FL

Complaint narrative:
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I also demand you, ( Equifax, XXXX ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Without Prejudice, All Natural Inalienable Rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The account was placed a charge off and closed 2 years ago but shows as a fresh charge off, and closed as of 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 explanation
Consumer complaint received 2024-08-01 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: FL

Complaint narrative:
XXXX is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX, XXXX, XX/XX/XXXX and XXXX, XX/XX/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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX, XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: FL

Complaint narrative:
XXXX is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX, XXXX, XX/XX/XXXX and XXXX, XX/XX/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 2024-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
In XXXX, I signed up for a Chase/Marriott Credit card . I was promised XXXX nights at the Marriott after spending XXXX dollars. A {$95.00} application charge was billed to this card. In XX/XX/XXXX, I began my {$5000.00} spending journey. I requested additional credit and was denied. ( I have that letter of denial ). My limit was therefore frozen at {$5000.00} the same amount that I had to spend to meet my end of the deal. I spent until my card was embarrassingly denied several times. I called the XXXX on the back of my card to ensure that I would get my reward. Each time the representative assured me that I would be getting my reward and that I had spent {$5000.00}. Additionally, I spent the required amount before the deadline of XXXX, XXXX ( within 3 months ). I have called Chase several times concerning the matter of not receiving my reward. They explain it to me and I counter with valid responses. I finally talk to a supervisor, who again says that I did not reach the spending requirement. I explain that I was denied using my card for additional purchases. Also that I had called several times before XX/XX/XXXX to ensure that I had spent my required amount. Each time I was assured that I had reached the obligatory spending amount and that I would be receiving my reward. The first time that I had inquired about not receiving my reward, I was told that it can take a couple of billing cycles to receive my award. I have waited patiently and have spent a lot of my valuable time talking about this issue. Additionally, I could have spent my money with XXXX XXXX XXXX where I receive a minimum of 1 mile for every dollar spent. Not only do I receive miles for my purchases, but each dollar spent puts me closer to earning the XXXX XXXX Status, which comes with many valuable rewards. I earned that XXXX status by spending a lot of money with XXXX XXXX in XXXX. So, for the entire year of XXXX, I am reaping all kinds of upgrades and even money. Additionally, I am out the {$95.00} investment money that I spent to sign up for the Chase/Marriott card to begin with. It was supposed to be a good deal for me, making the sign-up fee worth the investment in my final reward. I am weary of this process, but I am not giving up. All, I want is what Chase promised me. I kept my end of the deal. Chase should keep theirs. Thank you for hearing my case. I hope that you will contact me with any further information needed to ultimately receive my award from Chase Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Health Corporation
State: KY

Complaint narrative:
I was checking my credit report on XX/XX/year> when I noticed a collection account that I am unaware of. I am writing to file a formal complaint against Hillcrest Credit Agency for violating my rights under federal consumer protection laws. Hillcrest Credit Agency has failed to adhere to several regulatory requirements, and I seek your assistance in addressing these issues. 
Failure to Provide Validation Information : Hillcrest Credit Agency has not provided the necessary validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection account on my consumer report. 
Lack of Opportunity to Dispute : I have not been given the chance to dispute the account in question, which is a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The agency has not provided me with the required notice and opportunity to dispute the debt. 
False, Misleading, and Deceptive Practices : Hillcrest Credit Agency has used false, misleading, and deceptive means in their communications and actions, which infringes upon my consumer rights. 
Unauthorized XXXX to XXXX XXXX XXXX : The agency has no authority to furnish any account to a consumer reporting agency without providing all necessary disclosures required by law. This is in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 
Furthermore, I am unaware of owing any debt to Hillcrest Credit Agency, and I did not receive proper notification of the debt in question. If Hillcrest Credit Agency claims to have provided proper notification, I request that they furnish the certified mail receipt with my signature as proof of receipt. 
Additionally, I am revoking all rights for Hillcrest Credit Agency to communicate with me via text, call, and email. All further communication must be in writing and sent to the address provided above. 
I am requesting the following from Hillcrest Credit Agency : Method of debt validation for the debt in question. 
The purchase agreement between Hillcrest Credit Agency and the original creditor. 
Proof that Hillcrest Credit Agency is licensed and bonded. 
Thank you for your attention to this matter. I trust that the CFPB will take the necessary actions to ensure that Hillcrest Credit Agency complies with all applicable laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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:
My consumer report contains accounts linked to identity theft, which I never authorized in writing or with a wet signature. I recently notified your organization about this issue and now formally demand the immediate blocking and removal of these accounts from my report. Their presence has caused considerable emotional and financial strain by misrepresenting my credit history and obligations. If not properly addressed, I am ready to pursue legal action to defend my rights and seek resolution. These fraudulent entries have impeded my ability to achieve crucial financial objectives, including purchasing a home and providing for my family 's needs.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST PORTFOLIO SERVICING INC
State: OH

Complaint narrative:
Called total visa company because I don't recognize this account/ neither do they, but it's reporting on my credit file please delete IMMEDIATELY,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: WA

Complaint narrative:
I purchased a portable air conditioner from XXXX on XX/XX/year>, and paid in full. Later, the next year, I received a call from debt collectors regarding a {$550.00} debt for an air conditioner from XXXX, which I never ordered. I contacted XXXX and was informed that the account used for the order was set up for fraud. Despite assurances from XXXX, the credit history was negatively affected by the debt collection. 
The fraudulent purchase on XXXX was made using a payment plan through XXXX, but when I confirmed with XXXX that they do not have an account with them. Upon requesting details from XXXX, XXXX, and the debt collectors about the Social Security Number used for the loan and the tracking information for the delivery I got no response. 
The fraudulent order on XXXX was created on the same day they ordered from XXXX. The XXXX invoice display the name " XXXX XXXX '' but has my shipping name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: MI

Complaint narrative:
I recently reviewed my credit report and found that theres fraudulent activity being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
This is related to Equifax replacing these HARD inquiries back unto my credit report after they were removed in early XXXX alone with a police report for identity theft, as I have resubmitted a police report stating these grounds ( SEE ATTACHENT ) I have also attached dates starting XX/XX/XXXX, XX/XX/XXXX, where you clearly see that there wasn't any hard inquiries on my credit report, this was only done after I had submitted a dispute to Equifax regarding XXXX monitoring services showing these ( XXXX ) HARD inquiries on Equifax at that time that wasn't on my credit report which was on XX/XX/XXXX. From that day they had spoken with XXXX related to these issues, and XXXX change their mind set, and sway them to place these ( XXXX ) HARD inquiries back unto my credit report, which is not how the law works as for as consumer law where identity theft, and fraud had taken place. This is totally a spiteful move, as well as unethical wrong and need to be addressed. Equifax has now hindered my credit report to attain credit worthiness from lenders. Hard inquiries can't be removed, however, unless they're the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: CA

Complaint narrative:
Experian is reporting false information and charge-off dates on my consumer Experian credit report I have disputed this information and reached out to XXXXXXXX XXXX who has confirmed they reported the correct information to experience and the car is charged off as of XX/XX/XXXX experience credit report has reported the charge off day as XX/XX/XXXX thus reaging my credit report and affecting my credit dramatically this is illegal

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