vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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: NJ

Complaint narrative:
I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXX XXXX  Account # : ( XXXX ) Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



Thank you.

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 2024-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
Freedom Mortgage has been absolutely horrible. My loan was sold to them XXXX of XXXX, and Ive had issues since. 

XX/XX/XXXX. 
I reached out to Freedom Mortgage to ensure they knew of my property taxes ( from my escrow account ) to be paid before XX/XX/XXXX. I sent them a copy of the tax bill from the county to show payment dates. Was told that there would be no issue. Fast forward to XX/XX/XXXX, I receive a late tax bill because Freedom Mortgage did not pay my taxes on time. Was told once again that this would not happen moving forward. 

XX/XX/XXXX My monthly mortgage payment skyrocketed an additional {$700.00} a month for no foreseen reason. I came to find out that my escrow had been adjusted to reflect property tax payments three times the amount of what my actual taxes were. This change was made with no warning or explanation at all. To make things better, I had a tax payment due XX/XX/XXXX, and they paid that amount before the due date finally. Then, Freedom Mortgage paid the same amount on XX/XX/XXXX for no reason whatsoever. So as I am going through the property tax line adjustment period, they drained my escrow account for no reason. They could not tell me why this payment was made. Now I have an escrow analysis being performed while my account is negative because my home owners insurance has now been paid out. This is destroying my life and these people need to be held

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 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
The violations committed fall under various sections of the US Consumer Protection Law, and here is the detailed information regarding each infringement : 1. **False or Misleading Representations ( 15 U.S. Code 1692e ) : ** - Violation : Pressler , Felt & Warshaw , LLP falsely represented themselves as a debt collector in their communication on XX/XX/2023 and XX/XX/2023. This goes against Section ( 3 ) of 15 U.S. Code 1692e. 


2. **Communication in Connection with Debt Collection ( 15 U.S. Code 1692c ) : ** - Violation : Pressler , Felt & Warshaw , LLP communicated about collecting a debt by mail for the amount of {$2200.00}, violating Section ( a ) of 15 U.S. Code 1692c on the following dates : XX/XX/2023 and XX/XX/2023. 


3. **Permissible Purpose of Consumer Reports and False or Misleading Representations ( 15 U.S. Code 1681b, 15 U.S. Code 1692e ( 10 ), 15 U.S. Code 1692e ( 6 ) ) : ** - Violation : On XX/XX/2023, Pressler , Felt & Warshaw , LLP performed an unauthorized inquiry to the credit report provided by XXXX. This constitutes a violation of Sections ( 2 ) of 15 U.S. Code 1681b, ( 10 ) of 15 U.S. Code 1692e, and 15 U.S. Code 1692e ( 6 ).

4. ** Acquisition of Location Information ( 15 U.S. Code 1692B ( 2 ) ) : ** - Violation : Pressler , Felt & Warshaw , LLP communicated that the consumer owed a debt by mail for the amount of {$2200.00}, violating Section ( 2 ) of 15 U.S. Code 1692B on the following dates : XX/XX/2023 and XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It's unjustified that I've always paid this account on time without any delays. Please ensure my account reflects this accurately.

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 2024-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX Account : XXXX has violated code 1006.30 Other prohibited practices. States debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or mail I have not received any notice from this company. They are in clear violation. XXXX XXXX XXXX also violates.code 15 U.S. Code 1692j - Furnishing certain deceptive forms states : a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

I demand this account is deleted immediately before I seek legal action against XXXX XXXX XXXX delete the below account : XXXX XXXX XXXX XXXX Also violates 15 U.S. Code 1679i - Statute of limitations this debt has reached the statue of limitation and should not be reporting to my consumer report. This is unlawful and against consumer laws. This values my rights as a consumer it must be deleted this information is incomplete incorrect

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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: ND

Complaint narrative:
On XXXX XXXX my card was used 3 times at the same XXXX station in XXXX FL for a total of {$68.00} and then early on XX/XX/XXXX my card was charged at XXXX for {$10.00}. My card has not been out of my possession and I have not traveled to XXXX, FL in the past 10 years or so. I filed a dispute and it was declined by Chime Financial in less then 24 hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: CA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I was a victim of XXXX XXXX  and debt bondage. 
I am seeking help on my situation where my credit report reflects an outstanding debt that I strongly suspect is connected to a case of debt bondage.

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 2024-02-20 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: IL

Complaint narrative:
I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-02-20 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
NetCredit reported that I was late on payments when I was not late and reported that I was delinquent when I was not which harmed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: NY

Complaint narrative:
On Sunday XX/XX/XXXX at XXXXXXXX XXXX I was notified my account was closed due to Suspicious activity. The email stated it needed a copy of my ID, proof of address as well as a notarized document from the depositor as well as their ID. When I call the customer service number it was an overseas firm who refused to give me any information said they weren't allowed to and that I would have to submit the documents. I explained the only deposit coming in was for my tax refund and I had no way to get a copy of the government 's ID. In the meantime, I can not access the app to even see my account which has a checking in an investment account on it. My paycheck is direct deposited in there so I am left with no money that I am allowed to access. I've attempted to call every customer service number I could and I get the same response of. We're sorry but there's nothing we can do. I again I can't even access my account to see if they took all my money. I know I just got paid the direct deposit. I've never had an issue with this company before and now I am stuck with no money to get even to work because I was foolish enough to allow them to sign me up for direct deposit and just use the The debit card to pay for everything. I need assistance and nobody will respond. They have lock me out of all my money and give me no resolution. I've advised them you can't steal somebody's money and they tell me they can cancel my membership at any time if they choose. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to urgently request assistance regarding the deletion of an account from my credit report. The account in question, XXXX XXXX - XXXX at the XXXX, was settled in full on XX/XX/2024, with the explicit agreement that it would be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: UT

Complaint narrative:
As of XX/XX/XXXX Equifax is reporting inaccurate information on my credit report. XXXX - XXXX is reporting Consumer disputes - reinvestigation in progress, Consumer disputes after resolution. This complaint was never been resolved since XXXX but equifax is reporting as in progress. I have not received anything regarding this inaccurate information. This account has no account number or company phone or address this is false reporting. The following information XXXX XXXX XXXX Account XXXX XXXX is inaccurate information. I've made numerous attempts to have this corrected and Equifax requested my information and yet they haven't resolved this problem. They received all my mail with my drivers license and yet no response back. If Equifax refuses to acknowledge this inaccurate information I will report this to the FTC as false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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:
EXPERIAN ALLOWED FOR FRADULANT/UNAUTHORIZED INQUIRIES TO BE PLACED ONTO MY CREDIT PROFILE. DISPUTE LETTERS HAVE BEEN SENT IN AND WHEN ATTEMPTING TO CALL & HAVE THEM REMOVED, I WAS TOLD VIA A REPRESENTATIVE ( XXXX ) ON XX/XX/XXXX THAT THEY DON'T REMOVE INQUIRIES. DISPUTE LETTER HAS BEEN SENT TO THEM & NO RESOLUTION OR REMOVALS HAVE TAKEN EFFECT. 

UNAUTHORIZED CREDIT INQUIRIES NEEDED TO BE REMOVED : 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

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CT

Complaint narrative:
I received information from my credit report this company Jefferson capital system is attempting to collect a debt XXXX I do not owe. This alleged debt appeared on my credit report I've never received any letters of attempt to collect validation of debt from Jefferson capital system which is a violation of FCRA. This is not my debt I request this false debt be removed immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I've been wrongly charged multiple times by XXXX XXXX, even when I didn't have sufficient funds in my account. Despite reporting this issue to Wells Fargo, my bank denied my claim. These charges were unauthorized, and I've reached out to XXXX XXXXXXXX XXXX customer service via email but received no response. It's worth noting that I only used their services once and did not sign up for any recurring subscriptions. These charges have depleted all my funds, and I'm in urgent need of resolution.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have had this debt removed several times and it seems it keeps getting sold to people that put it back on my credit report as delinquent. The original debtor was sprint cell phone and it was removed once the reporting agencies looked into it. This was several years ago and i dont think i should have to keep starting cases to get it removed. The debtor now is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MN. XXXX For {$720.00}. Can someone please fix this so i dont have it come up again?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law
State: FL

Complaint narrative:
They had me set up a separate account and pay {$200.00} twice a month into that account. It's called XXXX XXXX. They had a notary come to my house to sign the paperwork so it seemed legit. They told me to stop paying all my credit cards and they would try to settle out of them. I would pay less $ $ for less time as compared to my current credit card payments and interest. 
Since then I have been trying to get a hold of them to stay on top of things and let them know I'm getting notices from the cc companies. They are not even responding. Then I went to the internet to see if anyone reported this company as a scam and sure enough it has scam written all over it.

Company response to consumer: Untimely response