vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is ALLY FINANCIAL Date of Inquiry XXXX. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's 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 non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I paid my collection account in full and have received proof of payment from the creditor. My credit report is still showing the collection which is negatively impacting my credit score. I would like the bureaus to remove the collection immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: IN

Complaint narrative:
I'm writing to challenge the XXXX listed on my credit report. I have a letter from the court stating that this XXXX should not be reported. Also, the involvement of an unauthorized third party makes this situation even more ridiculous and worrying.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's 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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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.

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
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I went to check my credit report and it stated I have some unauthorized and unverified inquiries on my report that I didnt make myself. They were from 2 credit bureaus ; XXXX XXXX XXXX. XXXX was a XXXX XXXX  inquiry from XX/XX/XXXX & the XXXX was another inquiry made via OneMain Financial on XX/XX/XXXX both of which I dont have any open accounts with. Ive called each of the banks to get this problem solved and nobody was able to assist any of the several times I called. Either I was talking to a computer, a person with a strong dialect that I couldnt understand, or just people redirecting me to more people who couldnt help me after being on hold for hours at a time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2024 I sent a certified letter to XXXX XXXX XXXX showing that my wife and I refuse to pay the debt they are trying to collect. My credit reports were pulled from annualcreditreport.com is still showing a negative item from them and shows that I am disputing the account. How can I be disputing the information AND refusing to pay the debt. I've attached the receipt, the letter, and a credit report showing the information.

They are also trying to charge interest on the debt. My lease with the apartment complex does NOT have any language stating that interest may be charged in any event. That is against California state law.

I demand that this be removed from my credit reports due to many errors. Laws state that they can only report things that are 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 non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year> I sent a certified letter to XXXX XXXX XXXX showing that my wife and I refuse to pay the debt they are trying to collect. My credit reports were pulled from annualcreditreport.com is still showing a negative item from them and shows that I am disputing the account. How can I be disputing the information AND refusing to pay the debt. I've attached the receipt, the letter, and a credit report showing the information. 

They are also trying to charge interest on the debt. My lease with the apartment complex does NOT have any language stating that interest may be charged in any event. That is against California state law.

I demand that this be removed from my credit reports due to many errors. Laws state that they can only report things that are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello there, I tried for months to get into my equifax account online, and throght the app. i made a thousands of calls and nobody can solve my problem. Is almos timpossible to get into my account even if i verify my identification every time. 

i need to know equifax is going to solve my problem. due i read a XXXX of reviews of other people having the same problem. i know is not the advisors fault because i have friends who can access pretty easily and with no inconvinience to the website. Equifax is the only credit agency who i have this problem. the other XXXX ( transunion, experian ) i can acces normal. 


hope you can help me with this situation. 

Thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I recently opened a business bank account with Chase bank for my small business, XXXX XXXX XXXX. I decided to opt in to use their integrated payments credit card processing company 'we pay ' to process card payments from my customers purchasing my products. On XX/XX/year> I ran a card for a down payment of {$200.00} through the chase point of sale app. I was able to send the customer an electronic receipt through email. I proceeded to run another credit card payment on XX/XX/year> for the price of {$2900.00} for the purchase of my product at full price. I was able to send the customer a receipt through email with the chase point of sale app. Later that day I was locked out of the chase point of sale app and then I was sent an email saying the purchase was declined to be deposited in my account. I called the chase bank and they told me they looked it over and decided to hold the funds for XXXX  days because I am high risk. That is all the info they could give me because all complaints and issues are to be dealt through email with the payment processing company they told me i needed to appeal it through email. So I proceeded to send an appeal through email and they responded saying they will look into my appeal and to wait and that is all the info I got. This is affecting my business immensely seeing how I am a very small company just starting out and I need to use those funds to pay my independent contractor for selling my product as well as replace my inventory. I can not wait 120 days for the funds to be release I need this to be resolved immediately and it shouldn't even be happening seeing how I gave them all the legal information they needed to set up my account with them so I should not be having to deal with this. It is a huge set back to my company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: CA

Complaint narrative:
I did sent a letter to XXXX XXXX XXXXXXXX last XX/XX/year> because XXXX, XXXX and EQUIFAX is reporting 100 % incorrect XXXX XXXX XXXX Reference # : XXXX. I received a response from XXXXXXXX XXXX  XXXX stating that the XXXX XXXX XXXXXXXX does not report any information to the credit reporting bureaus. It stated in the letter as well that credit reporting agencies may not report a XXXX  case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did sent a letter to XXXXXXXX XXXX XXXXXXXX last XX/XX/year> because XXXX, EXPERIAN and XXXX is reporting 100 % incorrect XXXX XXXX XXXX Reference # : XXXX. I received a response from XXXXXXXX XXXX  XXXX stating that the XXXXXXXX XXXX  XXXX does not report any information to the credit reporting bureaus. It stated in the letter as well that credit reporting agencies may not report a XXXX case.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 CXXXX

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 2024-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Upon divorce, I changed account information to a private, non-shared account. That was done in XXXX. They have since been sending account information to the wrong email address for 4 years. 
Today, and only today, they have acknowledged on a recorded line that they violated my personal privacy rights by sending it to an incorrect email address.

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 2024-05-23 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: Fay Servicing, LLC
State: AR

Complaint narrative:
I have tried to send payments in on my loan because they are not the correct amount they have mailed one back to me and I am waiting on the other to be returned. I have all the money to catch it up as of XX/XX/year> but I have to wait until I get the check back. Of course this changes the amount. I was on hold for 1 hour today and I still could not get through. I am trying to pay them but they are hard to work with. I asked for help but they told me my income was not enough. I need help with Faye Service Co. they are not consumer friendly? We need more government regulation on them it appears they are in the business to take your home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: IN

Complaint narrative:
I'm aware that FCRA 605B mandates the removal of any incorrect accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect reporting on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite my efforts, these issues are still unresolved. Enclosed is the letter I sent to the credit bureaus. Your firm labeled my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This is a serious matter to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Provide evidence of the alleged item, such as a contract or document with my signature, or remove these items from my report immediately.

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 2024-05-23 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: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
The dispute team and my actual credit union aren't communicating so XXXX was able to lie to the dispute team and say they never got the money and won their case against me and put the money I paid in collections and my credit union isn't willing to reopen my case against them when they can see my transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Negligent enhancement of identity Fraud Violation of FCRA Failing to comply with 15 USC 1692 ( g ) Violation under15 USC 1681 a ( 4 ) right to privacy I will seek damages, including but not limited to, statutory cost, with each violation incurring a statutory cost of {$1000.00} as specified 15 USC 1692k

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Negligent enhancement of identity Fraud Violation of FCRA Failing to comply with 15 USC 1692 ( g ) Violation under15 USC 1681 a ( 4 ) right to privacy I will seek damages, including but not limited to, statutory cost, with each violation incurring a statutory cost of {$1000.00} as specified 15 USC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
The XXXX XXXX  hit me with an expense after I experienced repeated XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the apartment underneath my apartment. She would constantly run up to me where I had to call the cops repeatedly and management never protected me. When lease was up I did not renew and when I was moving ot a fowel order appeared in my aparment after I had moved my stuff out. I spent a lot of money cleaning thos carpets, my XXXX  dogs were trained. When I moved out the apartment hit me with an expense on purpose. They did not reach out to me to let me know I had a bill and sent this off immediately to a collection agency. The collection agency never contacted me to let me know they hit my credit and I found out last year from an apartment agency that Rent Recovery was on my credit and I could not get into an apartment until I have that paid off and this has left me homeless. 

I need a negotiated price and I need it in writing and they are refusing me so that I can get out of my situation. 

Can you please help? 
Thank You I have tried to contact that company a number of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

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. 

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
Consumer complaint received 2024-05-23 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: NV

Complaint narrative:
My student loans, account number ( XXXX ) : XXXX for the amounts of : 1. {$2300.00} 2. {$4000.00} 3. {$1200.00} 4. {$1600.00} are reporting as " closed '' on Equifax when they should be reflecting a " open '' " payed as agreed '' and / or " payments don't begin until XX/XX/2025 '' as shown on my XXXX credit report.

Company response to consumer: Closed with non-monetary relief