vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: CA

Complaint narrative:
I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished. Please remove all phony and erroneous accounts from my consumer report that i am unaware of as a result of the XXXX, XXXX and Experian data breaches and identity theft. These papers must be frozen immediately until the inquiry is completed, according to FCRA section 605B.

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 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was notified by email XXXX saying " Important : Please contact us To help protect against fraud, we restricted and may need to close your account soon '' I called the bank immediately after receiving it and was told on the phone that the account was to be immediately closed, there were no further notes on the account, and the decision was final. 

I visted the branch on XX/XX/XXXX and was told the same. 

I had no means of appeal, I was told to remove my money and transfer it to another institution. 

The account has existed since XXXX, has been the same operating business account for the business since that date, and is the only checking account that business has. It hasn't done anything unique or new in the last months. 

They have said it will affect my personal accounts too " imminently ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I have sent Portfolio Recovery Associates , LLC a Verification of Debt Request letter via email per their website on XXXX. On XXXX I received a letter in the mail from XXXX XXXXXXXX XXXX XXXX XXXX Stating their clients authorized them to extend to me a settlement option. This letter stated the amount i owe is XXXX with an account ending in XXXX. On the portfolio recovery website, that account ( which is still open on their website ) showed amount owed XXXX account ending in XXXX. Both reference a XXXX  XXXX XXXX credit card. I never received an actual response to the verification of debt letter. On my current XXXX credit Report the date that is being reported to them that I opened that account is XX/XX/XXXX and on my account listed on Portfolio Recovery 's website the open date listed for that account is XXXX. Also, on the Portfolio Recovery 's website, it clearly states " that due to the age of the debt they will not sue or report payment or non payment to the credit bureaus. '' Clearly posted on my current XXXX credit report, it is being reported as " charged off as bad credit, and unpaid balance reported as a loss by credit grantor. '' Last updated date XXXX. Cleary my letter was received, my disputes have been received, and instead of a response, they report to the credit bureaus which they state they do not do. I have given the 30 days to respond to my verification of debt letter with no response. This matter is deemed closed due the non-compliance with the FDCPA therefore resulting in the deletion of the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX inquiry date XX/XX/XXXX XXXX, XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX inquiry date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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 recently reviewed a copy of my credit report and noticed i had fraudulent account on my report .plese remove these accounts from my report they are hurting 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 non-monetary relief
Consumer complaint received 2024-04-23 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 recently reviewed a copy of my credit report and noticed i had fraudulent account on my report .plese remove these accounts from my report they are hurting ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
i recently sent letters to the 3 CRA 's disputing the inaccurate and incomplete information they are reporting on my credit report on XXXX, its been over XXXX  days by FCRA and i have received anything nor has the information been deleted from my credit report.15 USC 1681e ( b ) states that information has to be 100 % accurate and correct before reporting on a consumer report. I am requesting that the inaccurate information be deleted at once.

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 2024-04-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XX/XX/year> I received an alert USAA had obtained my credit report. I contacted USAA and stated to the representative I had not applied for credit with the organization. Representative stated I needed to send a letter disputing the inquiry. Letter was sent XX/XX/year>. Response received from USAA XX/XX/year> and stated I applied for credit or a credit limit increase and the inquiry will remain on my file for two years. Stated I would need to dispute with XXXX. I can not dispute with XXXX unless I send a letter and they will prolong removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Account was charged off with XXXX by original creditor in which somehow WAKEFEILD & ASSOCIATES ILLEGALLY GOT my account information without the consumer consent as the account was satisfied.Furthermore WAKEFIELD & ASSOCIATES FAIL to honor federal law that protects consumers against anyone reporting any account or debt during an active investigation. Violation of 15 USC 1692g ( b ). As well as WAKEFEILD $ & ASSOCIATES reporting inaccurately to XXXX clearly knowing the other XXXX credit reporting agencies, ( XXXX and XXXX ), have took off such false item on my credit report as such account was satisfied. As well as it has been over 30 days since I reported this dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: Acrisure Mortgage Partners, LLC
State: FL

Complaint narrative:
We tried to purchase a house from Maronda Homes, Maronda homes approved us XXXX XXXX from their XXXX mortgage and asked us to put down payment of XXXX. XXXX to start the house construction which will take XXXX months to finished but it was delayed for XXXX months before Maronda started to building the house. Two months before closing Maronda RMC mortgage told us we were denied based on our student loan on our credit report. If Maronda were to moved forward, we will have the pay the full amount on our credit report and after that Maronda Homes stop communicating with us and refuse to refund us our XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Requested copy of contract between myself and said creditor and no response was given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dispute and Request for Removal of Negative Charge Off and Inquiries Dear XXXX Consumer Relations, I hope this letter finds you well. I am writing to express my deep concern regarding the XXXX bank negative charge off and inquiries that are currently listed on my credit report with XXXX. I have made several attempts to resolve this matter through your customer service department, but unfortunately, I have been blocked from all communication channels. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in my credit report. I would like to bring to your attention that the negative charge off and inquiries listed on my credit report are not accurate and are causing significant harm to my creditworthiness. I kindly request that XXXX investigate and verify the accuracy of the negative charge off and inquiries that are currently affecting my credit report. As per the XXXX XXXX laws, it is crucial that accurate information is reported on credit files. If the information can not be verified, I request that XXXX promptly remove these negative items from my credit report. Furthermore, I would like to address the issue of being blocked from all communication channels. As a consumer, I have the right to information and open communication with credit bureaus. Blocking me from all communication channels is not only a violation of my rights but also hinders my ability to resolve this matter in a fair and timely manner.

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 2024-04-23 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 recently reviewed a copy of my credit report and noticed i had fraudulent account on my report .plese remove these accounts from my report they are hurting 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 non-monetary relief
Consumer complaint received 2024-04-23 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: TN

Complaint narrative:
I am very concerned, because my credit report is showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have attached a completed FTC report for your review. Please remove all inaccurate information as you are in 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 2024-04-23 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: PA

Complaint narrative:
I am writing once again to your department to dispute this negative entry on my credit report that I believe to be inaccurate. The item in question is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
I am writing once again to your department to dispute this negative entry on my credit report that I believe to be inaccurate. The item in question is : 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 non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my 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 non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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:
PLEASE BLOCK AND REMOVED These inquiries are unrelated to me, and I have no connection to the creditors listed. I urgently ask for their removal from my 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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
This account # XXXX from CCS COLLECTIONS is paid in full. CCS COLLECTIONS refuses to remove from credit reporting. Original creditor XXXX XXXX XXXX  confirmed the debt is paid and no other obligations are being requested at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
This is my second attempt to correct this invalidated account on my credit report. I contacted the furnisher and they failed to provide documentation to validate this account is accurate as required by the FCRA.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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