vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This Account was paid, closed, removed, in XXXX. The last 8 months or so pro collect has been reporting this account as new and every month has sent it to the bureaus. My credit scored has been demolished because of this and because its an apartment its showing on any housing that I apply for. I received a letter saying that a company has illegally obtained my information and has my information. I have called multiple time. Filed a dispute for this same account 3 times and instead of fixing this issue they keep saying that this is valid. I have spoke with them and the feedback I am receiving is more concerned with me paying another {$3000.00} instead of fixing there mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc.
State: FL

Complaint narrative:
This Account was paid, closed, removed, in XXXX. The last 8 months or so pro collect has been reporting this account as new and every month has sent it to the bureaus. My credit scored has been demolished because of this and because its an apartment its showing on any housing that I apply for. I received a letter saying that a company has illegally obtained my information and has my information. I have called multiple time. Filed a dispute for this same account 3 times and instead of fixing this issue they keep saying that this is valid. I have spoke with them and the feedback I am receiving is more concerned with me paying another {$3000.00} instead of fixing there mistake.

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 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
On XX/XX/2023, i sent Portfolio Recovery Associates a certified letter see attached, disputing their claim and requested validation of me owing them and my signature for their agency. I asked them if they were licensed in my state and they did not verify this information. On XX/XX/2023, i received a letter from Portfolio Recovery stating that my dispute was irrelevant. The letter stated that this is communication from a debt collector but is not an attempt to collect a debt, then why is it showing on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XXXX XXXX Self financial was reported on my credit profile this was fraud and I ask that it be deleted, on XXXX XXXX XXXX  XXXX was fraudulently reported to my credit I asked that it be deleted, On XXXX XXXX XXXX  XXXX was fraudulently reported on my credit I asked that it be deleted, On XXXX XXXX XXXX  XXXX was fraudulently reported on my credit I asked that it be deleted immediately, on XXXX XXXX XXXX XXXX XXXX  reported a loan on my credit report this was ident theft I ask that it be deleted immediately, XXXX XXXX XXXX fraudulently reported a secured loan I asked that it be deleted immediately, On XXXX XXXX self fraudulently reported another loan I asked that theirs be deleted immediately, on XXXX XXXX upstart reported a unsecured line of credit this is fraudulent I asked that all these items be deleted from, y credit profile I am not able to get funding and its a defamation of character and I well take legal action .15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a concimelam demanding the deletion of the Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XXXX XXXX Self financial was reported on my credit profile this was fraud and I ask that it be deleted, on XXXX XXXX XXXX  XXXX was fraudulently reported to my credit I asked that it be deleted, On XXXX XXXX XXXX XXXX was fraudulently reported on my credit I asked that it be deleted, On XXXX XXXX XXXX  XXXX was fraudulently reported on my credit I asked that it be deleted immediately, on XXXX XXXX XXXX XXXX bank reported a loan on my credit report this was ident theft I ask that it be deleted immediately, XXXX XXXX XXXX fraudulently reported a secured loan I asked that it be deleted immediately, On XXXX XXXX self fraudulently reported another loan I asked that theirs be deleted immediately, on XXXX XXXX upstart reported a unsecured line of credit this is fraudulent I asked that all these items be deleted from, y credit profile I am not able to get funding and its a defamation of character and I well take legal action .15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a concimelam demanding the deletion of the Accounts

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 2023-08-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I received the requested email payoff quote from Mr. Cooper on XX/XX/XXXX but was not able to open until night of XX/XX/XXXX due to their system experiencing intermittent issues on the web. I mention this due to the fact that theyre trying to Foreclose on my home & time is of the essence. I also believe that Mr. Cooper is incorrect & making another error regarding the alleged principle amt. of {$20000.00} that theyre stating is owed to them on a loan of {$32000.00} with an interest rate of 2.375 % for most of the years ( I believe XXXX ) that Ive had the loan & have been paying on this loan for 15 years & was Never late until they stopped taking payments out of my checking account. Ive discovered another error with this company regarding my Maturity Date which is Not XX/XX/XXXX as Mr. Cooper has stated in their documents, My actual XXXX XXXX is : XXXX/XXXX/XXXX effective : XX/XX/XXXX which I have proof of & is crucial in my defense since Mr. Cooper claims that their reason for reneging on their reinstatement quote of XXXX & repayment agreement of {$130.00} that they XXXX offered Me on XX/XX/XXXX. 
This is definitely suspicious fraudulent conduct in my overall opinion & I deserve satisfactory treatment, answers & an investigation into this matter asap. Thank you in advance. Best Regards!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My savings account was removed from view when I logged onto my Chase account. 
The funds are still there but I can do ( or see ) nothing online. 
Two calls and two hours of discussion with reps in the XXXX bore no fruit. A supervisor, XXXX XXXX was particularly unhelpful and dismissive. 

Chase ' insistence is that I appear at some ( unspecified ) branch and there alone can the problem Chase created be remedied. Be it known that 2 weeks ago I could see everything online. I'm told that for unknown reasons my name was stripped from the account, thus stripped from online access. Nothing else about the account changed and the foreign phone clerks say that can not re-enter the name onto the account, nor can anyone in the United States unless I make a personal appearance at some ( unspecified ) branch. 

This is unacceptable to be put out like this when the error was clearly Chase 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Credit Karma, LLC
State: MA

Complaint narrative:
Credit karma guarantee payment for credit card disapproved aplications fraud.. they guarantee an easy approval or a reward on theyre behalf. But fail to come thru after you compromise your credit with hard inquiries on your record and your info being used by others to open up loans with your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX Balance : {$610.00} Account Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$630.00} Account Opened : XX/XX/XXXX XXXX XXXX Balance : {$1100.00} Account Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} XX/XX/XXXX I called each bank and informed them that they accounts were not mine, but no action was taken. I am still being called about collections and late payments. This has been going on since XXXX and I am just now rectifying the situation. Don't be like me and think identity theft couldn't happen to you because it can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX. 2023, I sent a letter to Experian requesting that a missing about be added back to me credit profile. XXXX was my this attempt t0 get this resolved. Currently the account is still missing from my Experian credit profile. The account in question is : 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 explanation
Consumer complaint received 2023-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I made my payment of {$100.00} for XXXX, which they received on XX/XX/XXXX, but it still shows that I have a minimum payment due by XX/XX/XXXX. They have manipulated the payment window so that I do not have a full 30 days to make a payment and they are taking my XXXX payment and applying to XXXX 's bill. So now I am supposed to make another payment in the same month for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
I had a credit card with HSBC in XXXX. I had a purchase on the card for {$1200.00} at furniture store in XXXX, WA. I had lost contact with them until XXXX. They started calling stating this debt and began threatening court procedures and possible arrest. I spoke with a gentleman in XXXX an informed him I was on XXXX XXXX from a near fatal car accident. This man stated he could and would write the debt off which was now around {$3000.00}. 
I never heard anything until after covid..They have and continue to call my family members. I have reached out a handful of times via phone stating this debt was supposedly wrote off in XXXX and to stop contacting my family members and myself. I have stated I will contact the FTC and file a complaint and After several months of them knowing my physical address and stating they have sent individuals with legal papers to sign and or receive..I have not seen or heard of any such person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Continental Finance Company, LLC
State: LA

Complaint narrative:
I attempted to make a payment to Continental Finance/Surge Card only to discover that the account has been closed due to Fraud/Theft. I never made any such report. I have the card in my possession. I am fully responsible for all charges placed on the Surge Card. I spoke to a couple of agents about the issued with the card being locked. I am unable to make payments on the balance due. I'm so confused at this point. I haven't received an email or paper statement. I know a payment is dues, so I called an agent to make a telephone payment. Well, I was told they could not accept my payments as the account has been closed because of correspondence from XXXX. I have always made timely payments and for much more than the minimum balance due. I don't understand why they elected to close the account because I " supposedly reported the card Lost or Stolen '' and Fraud was reported on the account. Surge can't seem to explain who made these statements. I had to threaten to speak to a supervisor. Furthermore, she claims that because of the " Fraud '' I am not responsible for the {$690.00} balance. I AM RESPONSIBLE AS THESE ARE MY CHARGES. So, I am sending a payment via my bank today ( XX/XX/XXXX  ). They can't close an account that has been reported Fraud when a new card has been issued. Therefore, no account to apply the payment to. Again, I am sending payments until the account is paid in full.

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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened the prepaid card back in XXXX I with Td bank with the understanding that they dont charge interest rates on a prepaid card because they would never let me go over and what I spend is only {$300.00} but it was capped off at XXXX I asked for the account to be closed and Im still being charged a interest rate and being reported to the credit bureau as having late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, non-written, verbal, and non-verbal per 15 USC 6802. Therefore I am opting out of any derogatory indicators such as late payments, charge off, collections, bankruptcies, judgments, liens and hard inquiries.

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 2023-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
My Borrower Defense Loan Discharge Application has been reviewed for well over a year, and since I had to send it via snail mail due to their faulty application process, the status is NOT online for my review. I must call for status updates and since the departments dont speak with one another they dont have much to tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: LA

Complaint narrative:
In XXXX i dispute a collection account with experian that was on my credit report i told them the account was not mine yesterday XX/XX/XXXX i found out they had someone elses credit report mix with mine they could clearly see two different names and two different ss numbers but they kept it on my report i was denied a loan a i am completely devastated by this they said they would fix it but my score still remains 90 points lower then the other to reporting companies they said that was what my score would be this is not fair i have worked hard at my credit they should not be able to do this they refuse to take off hard inquiries that i did not give permission to run either please 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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On my credit report the wrong address is listed. On my credit report the following addresses are listed and these addresses are incorrect and I want these addresses removed from my credit report. I want the following addresses removed from my credit report immediately. These addresses are : XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Florida XXXX XXXX ) XXXX XXXX XXXX, XXXX Florida XXXX My correct address is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Florida XXXX. 

I have attached a copy of a utility as proof of my address. My telephone number listed on my credit report is also incorrect. My telephone number is 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 2023-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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