vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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:
Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: MO

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 explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/2024 ... XXXX XXXX XXXX transferred my account to another service provider ... PHH ( PHH Mortgage Corporation, XXXX ID # XXXX ). 

I received a notice on their App that my mortgage was going to increase {$160.00}. 

I contacted them and they could not help. I spent over an hour on the phones and all they could say is my insurance premium for XXXX is {$1300.00} but do not know what the previous year was because they do not have a record. 

I asked why they didn't have a record, " We don't have a record because we just received your account on XX/XX/2024 and we do not have that information. '' I asked how can they run an analysis without all the information pertinent to my account and they continued to make excuses. 

I got a manager from Insurance Department who was also unable to help and I requested a supervisor from the Customer Service Department who was unable to help.

I can not understand how my monthly mortgage payment will increase by almost {$200.00} from a company that does not have my 100 % information to conduct an accurate analysis. 

This has been a horrible experience and I am certain I am not the only new customer from XXXX XXXX XXXX that they will be receiving escalated calls regarding this matter. I am not one to accept " excuses '' that they do not have the information to help me. " Well, clearly they had enough information to try to XXXX over a customer without all the information. ''

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 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am writing to file a complaint against Discover regarding a charge-off reported on my credit report. The account in question was opened on XX/XX/2022, and the amount charged off is {$2300.00}. 
This charge-off is adversely affecting my credit report, and I have been unable to resolve the issue directly with Discover. As the original creditor, Discover is responsible for issuing a 1099-C form. To date, I have not received this form, which is required for accurate tax reporting. 

To underscore the seriousness of my request, I am prepared to file IRS Form 3949-A to report potential tax discrepancies if Discover fails to comply with my requests and correct their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: PA

Complaint narrative:
{$1300.00} was remitted through Remitly service, money want sent on XX/XX/XXXX before noon Eastern day time. Money not delivered, Remitly sent untruthful receipt and misinformation that money has been delivered

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: GA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) and on Transunion it's ( XX/XX/XXXX ) and on XXXX its XX/XX/XXXX, if the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
Account number 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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) and on XXXX it's ( XX/XX/XXXX ) and on Experian its XX/XX/XXXX, if the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
Account number 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 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
I've been a chase sapphire preferred customer and have tried to use my benefits multiple times without success. 

I'm specifically supposed to get a {$50.00} hotel statement credit as well as trip interruption and baggage delay insurance. 

Chase and the 3rd party they've contracted, XXXX, have made using rewards and receiving the benefits prohibitively onerous to the point that they are not useful or attainable. 

The hotel credit must be redeemed through chase travel directly which prices hotels above that which can be booked directly from the hotel and 3rd party websites making the credit functionally uneconomical. 

XXXX is significantly worse than chase. They stonewall and delay at every turn in attempt to frustrate and deny claims. Their agents don't have the ability to make decisions regarding claims and the adjusters are unreachable and don't return calls even when promised. I've had XXXX flight delays and lost baggage which are all supposed to be covered expenses and have been left in the lurch and with the bills to pay without any kind of support. Despite verifying over the phone what expenses would be covered and my plan to mitigate costs in these situations eclaimsline continues to deny my claims and drag out my case. Chase who contracts eclaomsline has refused or is unable to help. I am now out ~ {$500.00} for expenses that should have been paid for by my insurance. 

The time and effort wasted to get these benefits is difficult enough, but to then be charged a {$95.00} annual fee on top of that for benefits I can't use is unforgivable. I have asked chase to refund my fee or at least administer the benefits I am owed, but I was instead rebuffed. 

I hope this complaint is able to help any current or future chase customers and that the bank will do the right thing and help me resolve these issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I hope all is good with you as I write this. I am submitting this letter to formally dispute the veracity of some information found in my credit report. I've seen that there are unsupported statements that don't have supporting documentation, especially when it comes to accusations of delinquency and derogatoriness. 

I understand that Metro 2 data field reporting follows an industry standard, and as a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). In compliance with federal and state regulations, it is imperative that all allegations be reported completely and truthfully. 

I therefore ask for concrete, independently verified proof of the accounts ' existence and authorized use. I demand the deletion of these accounts in the absence of such proof. 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXX ( Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I now provide permission to have an updated copy of my credit report and tangible paperwork outlining your actions delivered to me. 

We sincerely appreciate your quick responsiveness to this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: Security Credit Services, LLC
State: WI

Complaint narrative:
I am writing to lodge a formal complaint against XXXX regarding the mishandling of a collection account associated with Security Credit Services, Account # XXXX, which has resulted in multiple violations of federal laws governing consumer credit reporting and debt collection practices. 

Failure to Provide Validation ( Violation of FCRA Section 611 ) : Despite my request, XXXX has neglected to provide adequate validation of the collection account in question, as required by the Fair Credit Reporting Act ( FCRA ) Section 611. This provision mandates that credit reporting agencies must conduct a reasonable investigation and provide verification of disputed information within 30 days. XXXX 's failure to fulfill this obligation constitutes a clear violation of my rights as a consumer under the FCRA. 

Duplicate Reporting ( Violation of FCRA Section 623 ) : XXXX has reported the same collection account twice on my credit report, thereby violating the accuracy and integrity standards set forth in the FCRA Section 623. This provision stipulates that consumer reporting agencies must ensure the maximum possible accuracy of the information provided in consumer reports. XXXX 's duplication of the collection account not only misleads creditors and lenders but also harms my creditworthiness and financial standing. 

Unauthorized Reporting ( Violation of FCRA Sections 604 and 607, FDCPA Section 807 ) : XXXX added the collection account to my credit profile without obtaining my express written or verbal permission, nor did they receive information from a court or government agency, as required by the FCRA Sections 604 and 607. Additionally, this action violates the Fair Debt Collection Practices Act ( FDCPA ) Section 807, which prohibits debt collectors from making false or misleading representations in connection with the collection of any debt. XXXX 's unauthorized reporting of the collection account constitutes a blatant violation of these provisions and undermines the integrity of the credit reporting system. 

Willful Noncompliance ( Violation of FCRA Section 616 ) : XXXX 's repeated failure to comply with the FCRA 's requirements, despite being aware of its obligations, may be considered willful noncompliance under FCRA Section 616. This provision allows for civil penalties to be imposed on credit reporting agencies that willfully fail to comply with the FCRA 's provisions, further underscoring the seriousness of XXXX 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX 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 payments reported 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
there are several addresses listed on my credit report that does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, ny XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXXXXXX, i never filed for bankruptcy, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/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, XXXX XXXXXXXX

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 2024-06-07 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: MN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2024, I submitted a dispute with Experian. It processed and updated in their system on XX/XX/2024. Experian did not open an investigation. Experian did not respond to my inquiry in the XXXX day period provided under the FCRA, but rather, it appears they completely closed the dispute with no response. 

The dispute we only opened again once I filed the same dispute as a complaint with the CFPB. This is a separate complaint and pertains solely to Experian 's willful ( or negligent ) violation of federal law and regulations. 

This is what Experian ignored : Please remove this incorrect information at once and send me an updated copy of my credit history report. This inaccurate information has affected my applications for housing and is negatively impacting other areas of my life, outside of housing. I am being harmed by an error on my report that is impossible to make, as I previously noted before. Pursuant to federal law and regulations, I am requesting : a complete copy of your investigation ; and a copy of my credit report ; and a list of documents reviewed from XXXX XXXX ; and a list of XXXX XXXX employees that were interviewed/spoken with about this matter ; and a full explanation for Experians decision along with any and all other supporting documentation used by Experian in the review and decision-making processes. 

This request was placed, to my best knowledge, 60 days or less from inaccurate information being posted to by credit report. I noticed the issue in XXXX and filed at least XXXX disputes.

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 2024-06-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiries : DEPT OF ED - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX : XXXX  - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX :

Company response to consumer: Closed with non-monetary relief