vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: SC

Complaint narrative:
The last payment made on this credit card account was XX/XX/year>. Discover Card closed this account in XX/XX/year> taking a full write off {$7600.00} for an account with a {$6500.00} credit limit ( the extra {$1100.00} was for penalties and fees ). For XXXX years I did not hear from them. Then this account began to reappear on my credit as an " active '' account. The amount owed and the credit limit began showing and affecting my " owed '' balances. I began to receive emails from Discover Card telling me they could not sue me but I still owed them the full balance ( despite them having written it of/charged it off XXXX years ago ). Even if this is true this account should not be misrepresented/showing as an " active account '' to be used as a malicious tool to damage my credit in the way it's status is being misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Request for Documentation Under FCRA Section 1681 ( a ) ( 6 ) ( B ) ( iii ) Dear Experian, I am writing to formally demand that you provide me with all information and documentation that you allegedly received to validate the fraudulent accounts that have been reinserted into my credit report. As a victim of identity theft, I have consistently disputed these accounts, and I am appalled that Experian has chosen to reinsert them despite my clear and documented disputes. 

Here is the list of fraudulent accounts that were reinserted illegally : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX  {$1900.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXXXXXX XXXX ; {$1100.00} In accordance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681 ( a ) ( 6 ) ( B ) ( iii ), I am exercising my right to request the following : XXXX. A detailed description of the procedure used to determine the accuracy and completeness of the information, including the business name, address, and telephone number of any furnisher of information that was contacted in connection with the reinsertion of these accounts. 

XXXX. Copies of all information and documentation that was provided to Experian by the credit card companies or any other furnishers to allegedly validate these fraudulent accounts. 

As mandated by law, this information must be provided to me within 5 days of your receipt of this letter. Failure to comply with this request will result in Experian being in violation of the FCRA. 

Be advised that if my request is not fulfilled within the specified time frame, I will pursue legal action under USC 1681n for willful noncompliance, seeking monetary damages as permitted by law. 

This is not a mere request but a demand that you fulfill your legal obligations. The fraudulent accounts in question have caused significant harm to my credit standing, and I expect nothing less than full compliance with this demand. I am fully prepared to take this matter to court if necessary to protect my rights. 

Please confirm receipt of this letter immediately and inform me of the steps you will take to comply with my request. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest has violated all of the following : Fair Debt Collection Practices Act ( FDCPA ) : Communication under 15 U.S.C. 1692c ; Harassment or Abuse under 15 U.S.C. 1692d ; False or Misleading Representations under 15 U.S.C. 1692e ; Unfair Practices under 15 U.S.C. 1692f ; Multiple Debts under 15 U.S.C. 1692h ; and Furnishing certain deceptive forms under 15 U.S.C. 1692j. Truth in Lending Act ( TILA ), for Rights of Recission under 15 U.S.C. 1635 and Advertising of down payments and installments under 15 U.S.C. 1662. 

Bridgecrest is hereby Request to NOT MAKE PHONE CALLS but to send in writing the following : XXXX. A copy of the XXXX XXXX XXXX with proof of my signature, my SSN XXXX, and the correct home address. 
XXXX. Proof of consecutive payments from the deposit, the monthly installment payments, and any documentation which shows proof of address at the time of purchase. 
XXXX. A copy of the Truth in Lending agreement that I signed. ( Sent letter on XXXX ) showing I signed this agreement but I never received any documentation showing my signature. 
ALL DOCUMENTS ARE REQUESTED IN A CERTIFIED COPY SENT TO THE CORRECT ADDRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
Freedom Mortgage Loan XXXX XXXXXXXX The loan payoff was XXXX XXXXXXXX which is supposed to be at XXXX XXXX to payoff this criminal organization called freedom mortgage and XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX. I have been fully XXXX permanently and total as a XXXX XXXX XXXX XXXX and have been taken advantage of by all three of these mortgage companies while using my XXXX against me. I have been trying to get my daughter who is XXXX XXXX XXXX in a home with her own room and these XXXX companies have destroyed my credit, emptied my bank account, taken advantage of me, never solved anything with solutions, just problems. They never even asked to put me into a better situation for my daughter and I while I fight my illnesses being fully XXXX and being XXXX not stupid. I fought hard for this country and my daughter who is XXXX XXXX XXXX deserves better than this. These mortgage companies have destroyed my credit and drained my bank account putting me in interest only payment when I qualified for a XXXX year fixed paying the same price for XXXX  months for a XXXX year interest only and now they want me to pay them off more than they should. XXXX XXXX is waiting on the payoff and freedom mortgage is holding it off and increasing and altering their number to increase the fees for payoff same thing XXXX did and still destroying my credit when I have XXXX debt. I have been unable to pay down my mortgage more during the 11 months. They put me through the mill and sent me to different departments in their companies and none of them came with solutions time and time again and told me lies and hung up on me lying to take more money from a disable person which is a felony in all states. They never let me streamline into a better situation without some lie or way to say I don't qualify while they keep my credit score down under XXXX so I couldn't go anywhere else to shop, which is also illegal. I finally found XXXXXXXX XXXX and so far they are treating me better and hop [ ing I can finish my refinance with this company who is helping me and not taking advantage of my XXXX which is a felony in all XXXX states of the United States of America. I am XXXX not stupid. I respectfully request an investigation regarding my credit reporting with all three mortgage companies as well as the fees and illegal handling of money against a fully disable person. I have not got anywhere with any of these XXXX companies XXXX XXXX, Freedom Mortgage and XXXX XXXX and their illegal activity of reporting me on my credit after account closed and still won't close my account and destroying my credit so I can't get credit card or anew mortgage that will better my situation for my daughters future.

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 2024-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been waiting for my {$830.00} from Chase since XX/XX/year>! 

They approved my XXXX transaction dispute and have told me XXXX times theyve sent me a check but each time, the check hasnt came! Now its almost XXXX AND STILL NOTHING. Everyone Ive spoken to has been a foreigner based in XXXX or the XXXX and its very upsetting to not be able to talk to an American person about my American money. I believe that these foreign people are making things up to get me off the phone and its impossible to reach someone in America. I just want my money. This is sickening

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: WV

Complaint narrative:
I have contacted the XXXX company numerous times asking for a list of the devices that are signed into my account. I have an online banking account with XXXXXXXX XXXX and it shows me the devices. I have an online account with XXXX XXXX and it shows me the devices, although I have to keep removing an XXXX that wasnt put on there and then it says XXXX Now it doesnt say it just says XXXX I have attached a copy of the XXXX XXXX one also apparently my bank is undergoing maintenance so I cant attach the copy of it. Chime does not have XXXX when calling and asking a representative back like youre stupid. I also do not know why XXXX XXXX keeps continuously having a second device attached when I didnt attach it before it said XXXX XXXX now it says XXXX XXXX Pennsylvania XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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:
I am writing to formally dispute the accuracy of information related to my XXXX XXXX account being reported on my EXPERIAN credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in my credit file.

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 2024-08-25 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: NY

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681b , and 15 USC 1681e ( b ). The issue concerns the inaccurate reporting of charge-offs on my consumer credit reports by Transunion.

On XX/XX/scrub> 2024, I discovered that the account XXXX XXXX XXXX XXXX XXXX has incorrectly reported as a charge-off on my credit reports. 

On XX/XX/scrub>, 2024, I formally disputed the incorrect information with both the credit reporting agencies and the creditor, requesting an investigation and correction under 15 USC 1681i.

Despite my dispute, the creditor continued to report incorrect information, in violation of 15 USC 1681s-2, which mandates that furnishers of information must correct and update inaccurate information. Specifically, the account status is listed as a charge-off, which is incorrect. Additionally, key account information and balances are missing or incorrectly reported. 

The incorrect reporting has negatively impacted my XXXX XXXX and has caused me undue hardship in obtaining credit. The incorrect account status also violates 15 USC 1681e ( b ), which requires that consumer reporting agencies maintain maximum possible accuracy in their reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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.
State: NJ

Complaint narrative:
This is the law you use! Send this to XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the XXXX period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that XXXX period that is relevant to the reinvestigation. 

XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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

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 2024-08-25 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: NJ

Complaint narrative:
This is the law you use! Send this to XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the XXXX period described in subparagraph ( A ) may be extended for not more than XXXX additional days if the consumer reporting agency receives information from the consumer during that XXXX period that is relevant to the reinvestigation. 

XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: OH

Complaint narrative:
I have some issues on my credit file that need addressed I have requested documentation from the following collections agencies : XXXX XXXX XXXX # XXXX Please delete the above accounts they are not accurate and unverified XXXX FCRA violation

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 2024-08-25 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: OH

Complaint narrative:
I have some issues on my credit file that need addressed I have requested documentation from the following collections agencies : XXXX XXXX XXXX # XXXX Please delete the above accounts they are not accurate and unverified XXXX FCRA violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
XXXX XXXX, 2021. 
XXXX XXXX XXXX  ACCOUNT WAS PAID FOR LESS THEN FULL AND STILL SHOWING DEROGATORY ON XXXX REPORT. 

PLEASE DELETE OFF 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 explanation
Consumer complaint received 2024-08-25 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: NY

Complaint narrative:
These accounts on report by XXXX are the same account listed twice on my report. XXXX account cant be derogatory when the other says paid on time. This is the same dept listed more than once on my credit report with different names. We can not say these acct are 100 % accurate so it is deemed INACCURATE. Please delete this account. 
XXXX Account XXXX XXXX XXXX Acct 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 explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
We decided to sell our home due to a series of challenging events, including health issues, the passing of a family member, a family conflict leading to my children moving out, and my husband 's minor vehicle accident. I tried to keep up, but with all these changes, we decided to sell our home just before prices started to rise. I trusted the figures provided by the bank, but now, due to the sale, my grandchildren are struggling with housing instability, moving from XXXX place to another. 

Years after we received correspondence from the mortgage company informing us of the error in processing our modification. In the amount in the modification. In this current real estate market there is no way we can afford a home and the rental market is also high. We live in XXXX  where the cost of homes has tripled in value and there's no way we can find a home we can afford. 

I know this section is for mortgages but they made the same error with my vehicle loan with Wells Fargo and the same thing happened. I received correspondence saying there was an error in processing my payment. They repo my vehicle and years later realized there was an error in processing the payment. My credit was affected because of the reporting and it could have affected the jobs I tried to applying because they now do credit checks. 

Years after Wells Fargo sent us correspondence about the error that was made. I don't want this mistake to go without compensation because our decisions were made on their mistake with our home and vehicle. They have put my family in this situation of having my grandchildren houseless and separating the family component just to have a roof over our heads. We are currently renting so we don't have the freedom to have them stay.

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 2024-08-25 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX refinanced with XXXX XXXX XXXX XXXX. It should no longer be showing open on my Credit report. I've already disputed this, it was reported incorrectly. Now both loans are still showing open.

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 2024-08-25 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX refinanced with XXXX XXXX XXXX XXXX. It should no longer be showing open on my Credit report. I've already disputed this, it was reported incorrectly. Now both loans are still showing open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX refinanced with XXXX XXXX XXXX XXXX. It should no longer be showing open on my Credit report. I've already disputed this, it was reported incorrectly. Now both loans are still showing open.

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