vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-12-22 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: NJ

Complaint narrative:
My information was impacted by the XXXX Data Breach and many items in my TransUnion credit file are from unauthorized use of my social security number and card. All accounts are being investigated by the FTC. i did not authorize these accounts to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2.

Fraudulent Item & Explanation : 1. XXXX XXXX XXXX XXXX- {$3800.00} ( Please REMOVE this information no later than XXXX days after receiving this letter under 15 U.S. Code 1681c2 ) 2. XXXX XXXX- {$12000.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 3. XXXX XXXX- {$5500.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$600.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 5. XXXX XXXX  - {$21000.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 6. XXXX - {$910.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 7. XXXX  - {$360.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 8. XXXX XXXX - {$390.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 9. XXXX XXXX XXXX XXXX XXXX  - {$1000.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 10. XXXX XXXX - {$1200.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 11. XXXX XXXX XXXX- {$410.00} ( Please REMOVE this information no later than XXXX  days after receiving this letter under 15 U.S. Code 1681c2 ) 12. XXXX XXXX- {$1200.00} ( Please REMOVE this information no later than XXXX days after receiving this letter under 15 U.S. Code 1681c2 )

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 2023-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXXXXXX XXXX  I financed a bed from a furniture store in XXXX texas. I made a settlement agreement with American First Finance in XX/XX/XXXX XXXX  for two payments of XXXX and that would close my account as paid in full. I have receipts of the money being debited out of my account in XXXX XXXXFor the last four months I have been receiving text and emails stating I was due for payments and past due then i started getting emails and texts that my account will be put in Charge off status. Me thinking it was car payment company I kept paying amt of XXXX then on XXXX I received a text message again spoke to rep XXXX who stated I did owe XXXX dollars after a brief back and forth I stated my car note is not that much money a month she stated it was my car its the bed i purchased. i told her I paid it off back in XXXX XXXX had no record that I explained to her I have bank statements proving my payments now you need to investigate my account and so she did and she found the agreement but stated it was done the wrong way in system which i did not understand. I was told my complaint and error would be escalated to the credit department and the calls and emails would stop but they have not I had to call again today to get same information told to me as the day before. I am frustrated upset because this has been reported on my credit negatively for four months Credit is crucial in the world now I do not need any one else messing it up for their mistakes not my own. Please investigate this company thoroughly. I am struggling as it is. I don't need the harassment calls and emails and fraudulent activity in my life. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I spoke to a XXXX from Capital one his ID number is XXXX. I requested a removal letter because I do not recognize this account thats on my credit report or the account balance or the account number which is in violation of the FCRA sec 623 enforce FACTA 312 because they havent done a reasonable investigation and 15 is code 1692g. I been disrupting this a few times and XXXX out of the XXXX XXXX XXXX accounts have been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
This complaint is about Shellpoint, mortgage, a division of newrez. XXXX XXXX  XXXX, XXXX MI XXXX. 
On XX/XX/XXXX Shellpoint mailed a letter that have lander playced flood coverage on my mortgage at the cost to me of {$1500.00}. 
On XX/XX/XXXX XXXX XXXX XXXX XXXX, who has insurance with flood coverage provided it to shellpoint. Shellpoint claims they have not received it. 
On XX/XX/XXXX I talked to them on the phone, and representative have found it, and said problem have been resolved. 
On XX/XX/XXXX Shellpoint mailed another letter that they have no flood coverage. Called them on XX/XX/XXXX and emailed them proof of flood coverage to XXXX. Representative confirmed the receipt. 
Lander-placed coverage was purchased anyways. 
This is the THIRD YEAR IN THE ROW this keeps on happening. At this point, I am convinced that it is done deliberately. Now I have to spent next month or two asking shellpoint to remove lander-placed coverage. 
PLEASE, investigate this, as I believe this company does shady, not to say fraudulent activity while servicing mortgages. Also, if you could ask them to remove ill-playced coverage without me wasting hours on the phone, i would greatly appreciate it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On my Credit Report, I saw a collection account from a debt collector acting on behalf XXXX XXXX XXXX. I was able to retrieve the lease which was active at a time. I had my own lease with a different leasing company. Also, the email used to sign for the lease is not mine either. I wrote to the debt collector who has not responded and refuses to remove this debt off my credit report. I reminded them it is illegal to report accounts on my credit report for which isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Back in XXXX I was involved in an auto accident. My insurance at first was attempting to total the truck and not try to fix it.. So the insurance communicated to ally financial ( the auto loan company ) and told them total loss so at this point my auto loan is up in the air and I knew this. Well the process to fix my truck and appeal the total loss took from XXXX to XXXX when my truck was finished. So I get my truck back and try to call ally and they tell me sorry but my account was insurance charged off I said no sir I have my truck and its fixed they than proceeded to tell me that they couldnt reverse the charge off and when I asked why I wasnt contacted before it went to charge off they said its not up to them to tell me status changes. I tried having them look into it further and to be fair with me since it wasnt me who dropped the ball here. XXXX and ally did all the communication and left me out of it. Than I get stuck with a XXXX charge off on my credit that I couldve avoided had they given me a chance to save it. So while my truck was in the shop from XXXX to XXXX I didnt pay my note because I thought it wasnt getting fixed Well when they decided to fix it they used the timing against me and said well its too late. All of this was stressful as I called ally and XXXX every other day trying to figure out what was happening with my truck and the note. They told me not to worry XXXX  would cover what insurance doesnt pay, so on and so forth. But I feel like I was trapped into now having a charge off on my credit and ally wont help or take any accountability for their mess ups and lack of communication.

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 2023-12-22 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: CA

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided 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 non-monetary relief
Consumer complaint received 2023-12-22 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:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided 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 2023-12-22 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: NY

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NV

Complaint narrative:
I bank with chime.my check was deposited this morning I called to stop payment and the company on the internet that I called is posing as chime and took the remaining of my funds out my account but this company shows that it is chime! So I feel this is chime issue for not knowing someone is doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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 am requesting that it will be removed from my credit report as soon as possible.

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 2023-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I applied for the SAVE payment plan with Nelnet in both XXXX and XXXX of 2023. My application has not been processed after countless requests to Nelnet that they do so. I submitted a formal complaint with the consumer finance department on XX/XX/2023. In response to that complaint I received a letter from Nelnet dated XX/XX/2023 requesting that I make a payment of {$5.00} for my SAVE application to be processed. I have made that payment on the Nelnet website. In addition to that payment request on XX/XX/XXXX, Nelnet has removed my account from the IBR ( income-based-repayment ) plan that I have been on over XXXX years! They have moved my account to the standard payment plan. This was not my request. My request was to have my account transferred from the IBR plan to the SAVE plan ; which has still not occurred. In sum, not only has my SAVE application not been processed, but I have now been removed from the IBR plan all together which will have an incredibly detrimental impact on my student loan account that ( according to my records ) has been in repayment for over twenty-five years! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a credit freeze on my ssn, I forgot about it and applied for the pre-approved creditcard. Then I got a reply saying that we can not approve your card at this moment, the reason for that will be send through the letter. And there is no indication that the application was on hold as of now. I recollected my memory and found that ssn was on freeze and I submitted my application 2nd time for creditcard after ssn was unfrozen. This time I was denied again saying multiple applications submitted for the same credit card. I reached out to the banker 's credit card services team and tried to explain what has happened and asked to process the first application using the second application credit report that was ran successfully. But Banker said, she can not do that since everything was automated and there is no manual intervention. And she asked me to contact the credit bureau to dispute the second credit report which was ran unnecessarily. 
The following is the vendor information. 
Scoring system name : Chase Proprietary Score Source : JPMorgon Chase Bank, N.XXXX. 
Date Calculated : XX/XX/2023

Company response to consumer: Closed with explanation