vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: EQUITY LOANS LLC
State: TN

Complaint narrative:
On XXXX XX/XX/XXXX I contacted Equity Prime Mortgage about late payments on my credit report with XXXX, XXXX and XXXX XXXX for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had filed for assistance around XX/XX/XXXX and I was missing some paperwork. I completed the paperwork because I was having COVID and I had asked this company to help me keep my home. Because I needed help and I did ask the company for help and I did get approved around XX/XX/XXXX, it is my belief that these late payments should be taken off all three credit agencies credit reporting. I have XXXX  XXXX XXXX and I need to refinance my home so that I can get out of the debt that I am in. I had to get assistance with my mortgage with the XXXX XXXX XXXX XXXX. I have to repay the money that I borrowed from the XXXX XXXX XXXX XXXX every month plus pay all my other bills which includes my mortgage each month. Because of the reporting of the late payments I am not able currently to get refinanced or get approved for other loans with other credit unions like my own.

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 2024-08-03 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: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.

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 2024-08-03 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: NJ

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX Account 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 2024-08-03 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name XXXX XXXX XXXX  XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX Account 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 2024-08-03 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: AL

Complaint narrative:
I paid my account balance for XXXX XXXX on XX/XX/year> and was told that it would be updated in XXXX days. As of XX/XX/year>, I still have a balance reporting to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: AL

Complaint narrative:
I paid my account balance for XXXX XXXX on XX/XX/year> and was told that it would be updated in XXXX days. As of XX/XX/year>, I still have a balance reporting to the credit bureaus.

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 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
I attempted to pay online multiple times, can not call to pay as they will charge additional XXXX XXXX but was directed after third attempt. Was informed by supervisor that no late fee would be charged but if to call and it would be removed- paid XX/XX/year>. Called XXXXXXXX   after reviewing statement, told no, fee would need to be reviewed as I paid late. 

I stated that I attended to pay, could not online and why, that fee would be removed if charged and that calls are " recorded '' so check them ( XX/XX/year> ). No change in reply. Please assist in enforcing verbal agreement to honor removal of late XXXX XXXX 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX FXXXX XXXXccount Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : 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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple XXXX  XXXX regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : 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 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I made a purchase with a Chase credit card. They offered and I accepted an interest-free 18 month extended payment My Chase XXXX. After XXXX payments they told me I had paid off the plan, despite the fact that I still have a significant balance on this purchase. 

I asked why this happened and they said it was because I received a credit of more than the balance and it was applied to my loan, thus paying it off. This credit was for a purchase that was canceled within minutes of the charge, and clearly should have been applied to that purchase. However buried within the terms of the loan are terms that say credits are first applied to the loan. 

I feel this is deceptive, as the net effect, and XXXX sure it is not lost on Chase, is that it effectively pushes the loan terms from low or no interest to the maximum credit card rate if the purchaser does not have the cash on hand to pay off the loan balance. This is particularly insidious as most are unlikely to remember for 18 months that they cant have any credits applied to the card account. Furthermore it negates any budgeting that one might have done while taking that payment plan into account. 

This sort of hidden up charging of interest rates should be banned. And if not banned the consumer should be given the choice of how a credit is applied to their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
On XX/XX/year> checked crediXXXX XXXX  to do my monthly credit report check. I noticed a new collection for a amount for XXXX dollars by a company going by XXXX  or National Credit XXXX XXXX. I have not receive no written notices, phone calls or emails in regards to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ). 
I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-08-03 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 have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. 

The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. 
Account name : XXXX XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. 
Account name : XXXX XXXX XXXX XXXX Account # XXXX The following inaccuracy exist in this reporting after re-investigation : Date of Last Delinquency is XX/XX/XXXX but the reporting states status updated XX/XX/XXXX. 
Account name : XXXX XXXX XXXX XXXX Account # 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 2024-08-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
A cease and desist letter has been sent to this company due their ongoing harassment. They claim they never received the letter. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from me. The federal Fair Credit Reporting Act ( FCRA ) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices. I plan on filing a civil suit against this company for harassment and all the credit reporting agencies that report this inaccurate information because I have asked that this information be remove from my credit report as soon as possible. As it states on the attached pictures from Credit Karma XXXX XXXX XXXX, is said to be the original creditor but on my actual report from XXXX and XXXX the original creditor is in fact XXXX XXXX XXXX. Which in that case I did not enter into a contract with XXXX XXXX XXXXM nor did I sign a legal binding document with this agency. So I am not responsible for this debt that they claim is mine nor are they allowed to have the debt reported or collect on such debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
In 2020 I open a credit card account with XXXX i didnt receive a physical car or anything but there was a account that I could use to make purchase online so I bought some speakers I was in New Jersey at the time visiting they to me that the items would be delivered the XXXX  because I made the purchase on the XXXX  so I went home the XXXX  so i could get them but didnt get anything I ask my neighbors if they see anything they said no I call XXXX they told me that they deliver the items on the XXXX  I told them i didnt get them they said it was delivered I ask to who they cant tell me I contact XXXX and explain to them and they pick sides with fedex instead of investigate the issue so I refuse to pay for something i didnt receive because XXXX always let people sign a signature for their items and if they delivered it to someone how come they cant tell who signed for it? I ask XXXX to closed the account and they didnt they kept it open and keep sending up the payments and interest on me then they send it to collections and now the collection company is suing me for a amount that I dont owe into a different state

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: PA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: MA

Complaint narrative:
Bridgecrest finance will not release the title to my car. I paid off the entire balance via XXXX payments after continued communication with them regarding my charge off balance, the payments were made in full from XXXX. They continue to say I have a balance even though I have completely paid the balance to them, {$16000.00}, according to the official statement from my bank, the processed payments do in fact equal the balance. They sent a transaction log that has errors, it states an extra reversal that XXXX my principal balance almost {$6000.00} than what it ACTUALLY was- stating at even after repaying the reverse payment my balance at XXXX point XXXX to {$22000.00}, thats absolutely incorrect, if it isnt incorrect then I was given false information about the total charge off amount continuously by multiple support representatives. Every representative Ive talked to does the math but incorrectly. They are not paying attention to the errors in principal on their own logs. Ive sent a bank statement that satisfies their requirements and have yet to hear from them. The balance they have is incorrect, according to my bank, the payments processed do in fact complete my charge off balance and I should be able to start the title release process. This has been extremely challenging as they are threatening with repossession after an error on THEIR accounting system. Even accounting for the processing time of 10 days the payments are completed. They must release the car.!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: NY

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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