vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-08-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights. Specifically, 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish a consumer report without the consumer 's written instructions. Additionally, under 15 USC 1666b, a creditor must not treat a payment on a credit card account in a manner inconsistent with the terms of the agreement or without proper disclosure for any purpose. 

This dispute concerns a late payment entry reported by XXXX XXXX Account for XX/XX/year>. The inaccurate reporting of this payment violates my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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:
In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights. Specifically, 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish a consumer report without the consumer 's written instructions. Additionally, under 15 USC 1666b, a creditor must not treat a payment on a credit card account in a manner inconsistent with the terms of the agreement or without proper disclosure for any purpose. 

This dispute concerns a late payment entry reported by XXXX XXXX XXXX  for XX/XX/year>. The inaccurate reporting of this payment violates my rights under 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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received an alert from my credit card company that my social security number had been alerted on the dark web so I went to put a freeze on each of my credit reports. I was unable to access my Transunion account online and so spent a long time on hold placing the freeze over the phone. I was then directed to a tech support phone number for transunion to regain access of the online account so I could lift the freeze when I needed too without having to wait on the phone XXXX minutes. The person on the phone told me they could not reinstate my account because the date of birth and email address didn't match. They indicated it had been changed on my transunion account. The rep refused to answer questions about how someone had been able to change the personal information on the account and requested I email my ID and electric bill so that they could deactivate the account. I was uncomfortable with the suggestion since I have no way to verify who they are or if the information was secure since obviously my information was not secure. The rep hung up on me after I asked the call to be escalated.

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 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I contacted XXXX XXXX XXXX which is associated with Cinch back in XX/XX/year>. The gentleman I spoke to to cancel my warranty could not even find my information in the system and was unable to help me. I called again and and requested my warranty be canceled. i wrote letters to XXXX XXXX card and XXXX XXXX XXXX, finally I received an email stating that as of XX/XX/year> the warranty was canceled. I continued to receive bills from XXXX XXXX for the warranty. I again requested the bills to be stopped. I filed disputes with XXXX. As of this date and time I am not getting any resolution to this issue.

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 monetary relief
Consumer complaint received 2024-08-07 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: GA

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 confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX has violated my rights. XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights., has violated my rights. 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 without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer reporting 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 information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that information is accurate.

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 2024-08-07 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: LA

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. In spite of my endeavors, I still can't seem to get any goal or remedial activity. These wrong records are seriously harming my credit document and impeding my capacity to carry on with a typical life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening quickly. I compassionately demand that you lead a careful examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and redress my credit report immediately. With your assistance, I desire to reestablish the precision and uprightness of my credit document so I might recapture command over my monetary prosperity. I genuinely ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There is a fraudulent account that Kohls is reporting to credit bureaus. This was not my account and I never had an account at Kohls. I have provided the police report to Kohls along with identity theft report, in addition to requesting how the verification was done. I also asked a call transcript that Kohls agent XXXX ID # XXXX told me that I would be able to request from the email XXXX after our call and when I requested, I was told I would have to get a subpoena. I informed them of what I was told and I am sure that they can hear it in the call. No one has responded

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: GA

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.

has violated my rights.

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. In addition I have provided the companies with a copy of a notarized ftc identity theft report. all of my private information has been leaked to thousands on various online platforms and has been used to create account and control accounts that where already existing. 



XXXX XXXX with reported balance {$0.00} discover card with reported balance {$4300.00} XXXX with reported balance {$3600.00} discover bank with reported balance {$2100.00} XXXX XXXX with reported balance {$2000.00} XXXX  with reported balance {$980.00} XXXX XXXX with reported balance {$3200.00} XXXX XXXX  with reported balance {$0.00} XXXX with reported balance {$0.00} XXXX XXXX XXXX  with reported balance {$0.00} XXXX inquiry XX/XX/year> XXXX inquiry XXXX, XXXX, 2022 XXXX XXXX inquiry XX/XX/year> 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: FL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: NC

Complaint narrative:
Recently checking my credit report i noticed that ive been a victim of identity theft and found a credit inquiry i have no knowledge of, here is the inquiry that ive found : XXXX XXXX XXXX XXXX XXXX XX/XX/year>, please remove this fraudulent inquiry from my credit report. i also attached my identity theft report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I am writing to file a formal complaint against PHH Mortgage regarding the denial of my loan modification application submitted on XX/XX/year>. My previous application, submitted on XX/XX/year>, was denied due to purportedly inaccurate XXXX XXXX XXXX ( XXXX ) calculations. Additionally, I was denied a streamlined loan modification because of the XXXX value and the Helping Homeowners Modification because my account was over 90 days past due.

I provided documentation requesting that PHH Mortgage further investigate and be transparent about the values used in their calculations. My home was damaged due to flooding, and the comparables used to determine its value were inaccurate and included different styles of homes. In a letter dated XX/XX/year>, I was informed that I could reapply for mortgage assistance with updated documents. I followed these instructions and reapplied on XX/XX/year>, when my account was less than 90 days delinquent. 
Despite this, I received a letter dated XX/XX/year>, stating that my application was reviewed but denied due to prior application reviews completed during the same delinquency cycle. I believe this reasoning is incorrect and is a tactic to prevent consideration of my account for a streamlined loan modification that could reduce the principal balance. Their findings claim I have a credit score of XXXX, which is incorrect. It's XXXX. Also, stated my home is worth {$240000.00}, which is incorrect from what you will see on the attached photos. Please take note of the home in the picture noting my address. There are three townhomes attached with mine in the middle. My home is damaged. How does the homes used in the comparable for the valuations compare at all to my home? 
I filed for XXXX  XXXX bankruptcy in XX/XX/year>, and the past due amount is included in the payment plan. This information appears to be disregarded in the denial decision. I believe the statements provided by PHH Mortgage are false and obstructive. I complied with the instructions provided in the letter dated XX/XX/year>, and submitted my application when the account was less than 90 days delinquent.

I request that the CFPB investigate this matter and ensure that PHH Mortgage provides a transparent and accurate review of my application. It is crucial that mortgage servicers adhere to fair practices and provide homeowners with a genuine opportunity to obtain assistance. 
Thank you for your attention to this matter. Please contact me if you require any further information or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: AZ

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-08-07 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: AZ

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
The reporting of a negative item as per 15 U.S.C. 1681s-2 ( 7 ) requires a notice be sent to the consumer. This Notice must be sent before prior to or not later than XXXX  days after furnishing the negative information to a consumer, as described in section 15 U.S.C. 1681 ( A ) p. Of this title, I am here by requesting under XXXX XXXX in good faith Proof that the Notice was sent, when the notice was sent and who the notice was addressed too regarding the furnishings this negative information. Resurgent Capital Services do not send me statements because statements are not sufficient evidence of a debt XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX. Also add a cease and desist and I want to it clear that a consumer report is also a form of communication so a cease and desist also means deletion from my consumer reports. Also show them ( CFPB ) how much it will cost in a itemized form if I choose to litigate for their harassment and abuse

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Around XXXX XXXX, my XXXX  and I purchased Olympic event tickets on our Chase credit card ( I believe it was Chase Southwest Card ) in excess of {$1200.00}, a lot of money for us. Later in XXXX, we cancelled the credit card as we no longer used it and had forgotten we purchased the event tickets on that credit card. In XX/XX/XXXX, we realized we would be unable to attend the event and requested a refund from the Olympics who refunded the amount back to our credit card. We tried to get with Chase to see if they could look up the cancelled credit card and forward the balance to us, but they claimed the account was purged and that we needed the original XXXX digit credit card number in order to get our money back. They said there was no way to look up our old account based on social security number, our address or any other form of identification. We have tried to get the 16 digit credit card account number and submitted a letter via USPS to the address they gave us that dealt with closed/archived accounts. We never received any old account statements from them which we were hoping had our 16 digit account number. We have spent countless hours on the phone talking to different people and departments and are worried that we will never get our money back. We have tried all that we can and given how big Chase is, nobody can help because everyone only knows their little limited role and can't figure out how to find where our refund went.

Company response to consumer: Closed with explanation