vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In accordance with XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX, XXXX Account XXXX XXXX , XXXX XXXX XXXX Account XXXX XXXX, And XXXX XXXX XXXX XXXX Account # XXXX , has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15. U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. 
XXXX XXXXXXXX Balance : {$35.00} XXXX  XXXX Balance : {$35.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$6100.00}

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In XXXX of 2022 my JPMorgan and Chase business account ending in XXXX was compromised as a result of fraud. I disputed the account immediately when I became aware of the activity. JPMorgan and Chase did reverse the transactions and provided a resolution to my account to where I had a {$0.00} balance. But as a result of the fraud the credit bureau agencies are reporting late payments for the months of XXXX and XXXX of 2022. I have submitted all credit card statements confirming that these transactions were all reversed as a result of fraud and I should not be responsible for late payments. I request my credit reports with the credit bureaus be adjusted to accurately reflect such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Total Card, Inc.
State: OR

Complaint narrative:
On or about XX/XX/2022 I paid off, in full 5 credit card accounts, and sent letters to close those accounts. For some reason, one account XXXX XXXXXXXX the worst of accounts refused to close the account. I was only made aware of this by a bill they sent me a week ago. I called them, they said they received no such letter ; I sent all 5 by certified mail and my computer has the original letter and date stamped when it was written. This Company is basically committing credit card FRAUD!! Their card was promptly shredded and even their records show it has not been used!! Why is it that the other 4 creditors had no problem but Total Select, the bottom of the barrel, when it comes to credit cards, has ignored my request and is basically trying to scam me for money I DO NOT OWE THEM?!? I closed that XXXX account and I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Inquiry details XXXX XX/XX/2023 This hard inquiry was on my credit report and I did not authorize it.

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. 
Medical XXXX Balance : {$35.00} Medical XXXX Balance : {$35.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
TO whom it may concern, XXXX XXXX XXXX is breaking the LAW reporting inaccurate information on my consumer report without my consent. XXXX XXXX XXXX, never clearly and conspicuously explained to me certain disclosures in the agreement which I could understand. Now they are reporting false information. Since this was a consumer credit transaction governed by truth and lending act late payments are not supposed to be reported pursuant 15usc1666b. Simply update this billing error and correct these late payments or remove this inaccurate information asap.

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 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc
State: SC

Complaint narrative:
On or about XX/XX/XXXX, I received a notice from XXXX credit reporting agency that a collection for past rent was place on my credit report by Hunters Warfield for XXXX at XXXX XXXX, causing my credit score to lower by XXXX points. I never received a notice from Hunter Warfield or XXXX at XXXXXXXX XXXX  prior to them reporting this on my credit report, which is a violation of the Fair Debt Collection Practice Act that regulates third party debt collections. 

On or about XX/XX/XXXX, I spoke with the property management XXXX XXXX about moving out because of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my bedroom window. 

After our conversation, the property manager XXXX XXXX email a letter referencing our conversation and stated that she were sending a new lease agreement to me by email because my current least was expiring on XX/XX/XXXX, and it was XX/XX/XXXX. 

If a new lease agreement is not sign by end of old lease agreement. An additional {$300.00} would be added to current rent. Making residents renting on a month-to-month bases, which would increase the rent from {$1300.00} a month to {$1600.00} added onto the old least agreement. ALL residents would consider renting on a month-to-month basses. 

I feel this is why a new lease agreement was not sent to me because the property manager was trying to get me and the other residents into a month- to- month situation. 

After several months have passed and no new lease agreement were sent out to me. I reiterated to the property manager XXXX that since she never emailed a new lease agreement that it was obvious that she did not want me as a resident or trying to put me into a month - to- month situation. 

So, we schedule a walk through inspection with her assistance manager and the apartment was very clean, and I handed over the keys. This is why I am somewhat baffle to having a collection reporting on my credit report for {$1500.00} after not receiving a new rental agreement or a collection notice from Hunters Warfield or XXXX at XXXX. 

Maybe I would have split the different or come to agreement. I feel not receiving a collection notice from XXXX at XXXX or Hunters Warfield has violated my civil rights and Federal and state laws. I pray that Hunters Warfield and XXXX at XXXX be fine and penalize and this collection be order to be removed from my credit report immediately. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank calls me upwards of 12 calls a day. I have told them to stop contacting me multiple times about the debt that I am unable to pay for at this time. 

Comenity uses MULTIPLE spoofed numbers to harass me. They also use private ( unlisted ) numbers to harass me. 

Their numbers thus far are : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I checked my account balance on Monday XX/XX/ to verify if I had received my tax refunds. When I checked my balance I noticed that I indeed did get my tax refund on the XXXX XXXX XXXX {$2500.00} USD but my balanced was negative {$41.00}. When I look at my transactions I noticed multiple transactions from this merchant called XXXX XXXX and XXXX both located out of the state of Florida. The total debited from XXXX XXXX was a total of {$1600.00} USD and from XXXX was {$900.00} USD on the description they both said groceries how in the world someone can spend this much money on groceries and how can Chime authorize this transaction when they are obviously FRAUD! 

Once I noticed this transaction I immediately contacted Chime on XXXX XXXX XXXX and open a Dispute, claim number # XXXX. They said they will investigate and give me a credit within 10 days. 

Today, XX/XX/2023 at XXXX XXXX  I get an email from Chime stating they have ended the investigation and that they determined no error occurred. How in the world is possible, how can someone scam me for more than XXXX  and my bank can not help me get my funds back. My tax money that I had to wait a whole year to received now is gone!!! 

Please help me get my funds back, I bed you guys to please help me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc.
State: NJ

Complaint narrative:
To whom it may concern On XX/XX/2023 I've signed up with XXXX credit reporting agency for a 30 day trial to see whats in my credit report. I saw that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX have placed a negative credit on my file without them notifying me of the debt and my rights respectively, immediately I contacted them and they said that they did send the correspondence to my old address, so I told them that I've moved to another State " and you ( ASSOC CREDIT SERVICES ) know about it because National Grid told you so '' they dismissed it that that's not there problem. I told ASSOC CREDIT SERVICES that I have communicated with National Grid by email only and I only paid them online ( they did send me statements be mail as well ) however any notification has been sent by email only, and you got from National Grid my cell number and email address because it's on file there, but didn't attempt trying to reach me, they rather had everything done on autopilot thus screwing the customers in the process. 

On XX/XX/XXXX, I've called ASSOC CREDIT SERVICES to complain about it and was told that they will look into it, and on XX/XX/XXXX I called and spoke to XXXX XXXX and then to Supervisor XXXX XXXX XXXX they both told me that they are not going to work with me. Additionally they've refused to send me correspondence to my current residence. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you in regards to the bankruptcy and charged off accounts that appear on my credit report. These accounts have caused me a great deal of distress, as they are preventing me from obtaining credit and moving on with my life. 

In XXXX, I filed for XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX bankruptcy account ) as I was unable to keep up with my debts. Since then, I have been working hard to rebuild my credit, and I have been making steady progress. 

However, I have noticed that several accounts that were discharged in the bankruptcy are still being reported as charged off ( DEPT OF ED/XXXX  XXXX charge off account, XXXX XXXX charge off account, XXXX XXXX  XXXX XXXX charge off account, XXXX XXXX XXXXXXXX charge off account, XXXX  XXXX XXXX charge off account, XXXX  XXXX XXXX charge off account, XXXX XXXXXXXX charge off account, XXXX XXXXXXXX charge off account, XXXX XXXX XXXXXXXX charge off account, XXXX XXXX XXXX XXXX charge off account, XXXX XXXX XXXX XXXXXXXX charge off account ). These accounts should have been included in the bankruptcy and should no longer be listed as charged off. 

I understand that it can take some time for credit reports to be updated, but it has been several years since the bankruptcy was discharged, and these accounts are still causing me a great deal of trouble. I would appreciate it if you could investigate this matter and remove these charged off accounts from my credit report. 

I have been making every effort to rebuild my credit and improve my financial situation, but these accounts are hindering my progress. I hope that you will take my situation seriously and take the necessary steps to correct this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you in regards to the bankruptcy and charged off accounts that appear on my credit report. These accounts have caused me a great deal of distress, as they are preventing me from obtaining credit and moving on with my life. 

In XXXX, I filed for XXXX  XXXX bankruptcy ( discharged XXXX XXXX bankruptcy account ) as I was unable to keep up with my debts. Since then, I have been working hard to rebuild my credit, and I have been making steady progress. 

However, I have noticed that several accounts that were discharged in the bankruptcy are still being reported as charged off ( DEPT OF ED/XXXX XXXX charge off account, XXXX XXXX charge off account, XXXX XXXX XXXX XXXX charge off account, XXXX XXXX XXXXXXXX charge off account, XXXX  XXXX XXXX charge off account, XXXX  XXXX XXXX charge off account, XXXX XXXXXXXX charge off account, XXXX XXXXXXXX charge off account, XXXX XXXX XXXXXXXX charge off account, XXXX XXXXXXXX XXXX XXXXXXXX charge off account, XXXX XXXX XXXX XXXXXXXX charge off account ). These accounts should have been included in the bankruptcy and should no longer be listed as charged off. 

I understand that it can take some time for credit reports to be updated, but it has been several years since the bankruptcy was discharged, and these accounts are still causing me a great deal of trouble. I would appreciate it if you could investigate this matter and remove these charged off accounts from my credit report. 

I have been making every effort to rebuild my credit and improve my financial situation, but these accounts are hindering my progress. I hope that you will take my situation seriously and take the necessary steps to correct this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I agreed to pay off a collection account that was a debt owed by my ex wife and not me, only bc they agreed to remove it from my credit report. XXXX and XXXX have removed the account from my report as agreed. However, Equifax is continuing to report this account. I started monitoring my credit on XX/XX/2023 and noticed that Equifax didn't remove the paid collection account from XXXX XXXX. On XX/XX/2023, I mailed a letter to Equifax asking them to remove the paid collection account from my report. I also sent them a copy of my report showing it was removed from my credit report with XXXX and XXXX. It is XX/XX/2023 and I have not received a response back from Equifax. I XXXX and this appears to be standard practice with them. Not sure what else I need to do to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have attached hours of documentation to support this claim. I have sent multiple letters, disputes, and phone calls. TD has a late payment on my record from XXXX of 2020 that, simply put, is false. I had an extension granted in XXXX of 2020 due to COVID, I was supposed to pay starting in XXXX. I paid that payment and then the one after and every one after that. They originally said i was late in XXXX, which is just not true. Then after i PROVED that i was not late in XXXX, they said i was late in XXXX of 2020 instead. Through the documented phone calls and letters, you can see that i have tried to speak with them, prove my case and my point, only for them to act " XXXX '' on the situation. I do not see where it benefits them. I paid off my lease, they got their money, i did everything they agreed to and its almost like they hold some sort of grudge. I know that is not the case but i was NOT late in XXXX of 2020 and they can not prove i was. They never responded to numerous attempts at validation of that month 's late payment and the people on the phone refuse to help. This XXXX of 2020 payment was NEVER late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I had a HELOC that was sold to Specialized Loan Servicing. I contacted this company for a payoff quote, I paid that amount. 

I called to have the account closed and the lien released, but I was told that I still owed another {$5.00}. When I argued they basically stated that they could do whatever they pleased. So, I requested an email or snail-mail copy of the payoff quote - neither was received. 

I paid off the {$5.00} that day ( XX/XX/2023 ) and called up several times to close the loan and remove all of my personal information from their systems several days in a row. Each time I was put on hold and transferred around until I was told that they didn't have the ability to do that or I was disconnected. 

Today I was transferred 5 times and finally, after threatening to file a complaint with the FTC, I was given to someone who said they did not have to finalize my payment until 15 business days after it was received. As today was the 17th business day I asked her to close the account and release the lien. She said she couldn't because she wasn't authorized. I asked her why it hadn't been done she said " I don't know '' and when I asked why the lien release hadn't been sent to the county, she said, " I don't know. '' I insisted that it be closed immediately and she again refused. I asked her to connect me to someone who could do their job and she said there is no one else in the company to whom I could speak. Apparently, they plan to keep the lien on my account in perpetuity.

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 2023-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 explanation