vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i reviewed a copy of my credit report and i notice a few accounts that i didnt apply for can you please look into this matter please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i reviewed a copy of my credit report and i notice a few accounts that i didnt apply for can you please look into this matter please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
On XXXX XXXX XXXX I vacated my apartment at XXXX XXXX XXXX XXXX  called XXXX XXXX XXXX  A month prior I had found a safer and better set of apartments down the road from XXXX XXXX XXXX XXXX XXXX XXXX that I was moving in on XX/XX/XXXX. Me and the apartment manager went to my apartment and took the pics that I have attached to my documents with the timestamps at the bottom of the pics showing the date and time I took them. The manager told me that she was gon na keep {$50.00} out of my deposit to shampoo the carpet and I said ok. I didn't tell where I was moving because I knew she hated XXXX XXXX XXXX cause some people leave XXXX XXXX and move to XXXX XXXX. The manager at XXXX XXXX told me not to use this as my forwarding address because she will be very mad if she found out I moved here. The apartment manager for XXXX XXXX called me a week later and asked for my forwarding address so she can mail the rest of my deposit and I gave her my new address at the new set of apartments I moved to and she was MAD. The secretary at the time called and told me the manager left the office screaming and went back to my apartment that I vacated and made up a bunch of stuff that I did to my apartment just to get back at me for moving to XXXX XXXX. The collection agency CBS Collection ( That reported the debt to the bureau ) says I owe {$2300.00}. I tried to resolve this issue with the debt collector CBS, XXXX XXXX XXXX and the company that owns XXXX XXXX which is XXXX XXXX XXXX. XXXX says its my debt and has done nothing and the original creditor says they have no information and that everything is in the hands of the collection agency. This debt in collections just popped up on my credit report 4 years later on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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:
Permission to use my identity and to report any of my personal information was not granted to any of the following companies. 

Hard Inquiries : 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 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 These fraudulent accounts are a violation of my rights according to 18 U.S. Code 1028A - Aggravated identity theft which states ( a ) Offenses.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Despite numerous attempts to get Experian, XXXX and XXXX to clear them from my consumer report, my rights continue to be violated and my life negatively impacted. I demand for these items to be removed from my report immediately and updated reports mailed to my current 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 explanation
Consumer complaint received 2024-08-17 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/year> Chase Southwest report my credit card account late In accordance with the fair credit report act this creditor has violated my rights under 15 U.S. code 1681 section 602 states i have the right to privacy. 15 U.S. code 1681 section 604A section 2 it also stated that a consumer reporting agency can not furnish an account without my written instructions. I also understand that according to federal law 15 U.S. code 1666b ( a ) a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my report. these remarks have been XXXX  to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account was negative because of a car rental accident, which I had extra insurance on, and yet was charged a fee on my account. Bank of America sided with me in an initial claim. later they agreed with XXXX rental, which means a third party insures the car, therefore they have no claim to any funds in my account. Bank of America paid them, my account went negative. I didn't have the funds, which was extremely stressful dealing with this situation. Bank of America advised me if I didn't make the account current by a certain date the account would be closed. I was so stressed, and I've already been battling XXXX  XXXX for which I take two XXXX. I tried negotiating with Bank of America to make payments to pay off the debt. I can't remember what happened, but that wasn't good enough for them so finally I told them there was nothing else I could do and they would have to go ahead and close it. I tried to maintain the account, but they made it so difficult.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
I opened a line of credit with XXXX. Despite making regular payments my request for additional withdrawls against the line were denied multiple times. This put my business in distress. 

Then I found out that the line of credit was not only converted to a 12 month loan with zero notice but that that the ACH pulls on my account were going to be doubled until the loan was paid off.

These pulls put my business in further jeopardy. When I called the company to figure this out I was told point blank : 1. There was no way to excalate my call to a decision maker.

2. There is no way to refinance the balance due.

3. They are going to ding my personal and business credit.

So what am I supposed to do? Allow Goldman Sachs put me out of business? Not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: TX

Complaint narrative:
Im not sure, it seems as though someone is using my personal information maliciously and without my knowledge. Perhaps a form of cyber harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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:
Im not sure, it seems as though someone is using my personal information maliciously and without my knowledge. Perhaps a form of cyber harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Throughout this and last months, beginning on XX/XX/XXXX, I've tried to reach out to XXXX of XXXX and Equifax ( XX/XX/XXXX ) to get an account to manage a credit freeze. Every time, both credit bureaus put me on long holds, and once someone answers the line, he or she gives me the wrong instructions to create an account. 

I am totally frustrated with the lack of service of these agencies charged with monitoring personal credit. Once I got a hold of a XXXX employee, I decided to deactivate my account since I couldn't log in to it. Equifax is just as bad in not even attending to their phone or providing a way to access the service. Both bureaus stonewall me to access a credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT has been been notified multiple times to prove validation of this debt. Subsequently this has been removed as a collections account from this same collections company and has since reappeared. CREDENCE RESOURCE MANAGEMENT has never proven I in fact owe this debt nor have they provided and documentation showing any financial obligation of this debt. Their offices have or continue to report invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action has negatively impacted my credit immensely. The continuously claim I owe {$99.00} on behalf of XXXX XXXX XXXX. I have not had such services at my residence under my name since around XXXX. They have since reported this debt at least three times and even under another collections agency within the last three years. The most recent status as of XX/XX/XXXX is in collections and and the date assigned is XX/XX/XXXX. The date of the supposed delinquency being XX/XX/XXXX. As mentioned previously I have not has services at my residence which I have lived for the past 10 years since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Hello, My problem is I have a collection debt on my credit report and it was recently opened but I don't know where this collection is coming from I'm worried about my identity being threatened

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns appliance is violating federal bankruptcy law reporting late payments after I filed for bankruptcy 5 years ago on an account that was discharged in bankruptcy court with all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the Convergent account has violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the Convergent account has violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved.

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon review of my credit report I noticed multiple inquiries that were not authorized by me. I have included the fraudulent inquiries below as well as my Identity theft report 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 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 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
Consumer complaint received 2024-08-17 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: Colony Brands, Inc.
State: AR

Complaint narrative:
Seventh Avenue is reporting a chargeoff on my credit file. When a company does a chargeoff the balance isn't owed to the company anylonger, yet Seventh Avenue is still trying to collect from me and has used a third party to do so. I never agreed to have my privacy violated by reporting my personal information to credit agencies and I never received any letter, electronically nor written stating an agreement was formed giving them permission to do so. The information, the address and telephone number are inaccurate on this report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
With my payment and by means of letters addressed to ONLY my ex-husband they have sent offers, to tap into MY equity of MY property they KNOW I hold the title to. They also send ME emails wanting to know WHERE I live. REALLY? I have never moved. I have never moved in 21 years. I don't even speak to my ex-husband. They are offering me the option of paying them to remove him from the paperwork. Another big REALLY? Do they understand that the man they are offering MY equity to, belongs to XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Because XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian thinks only they are allowed to write what I think or dont think in the comments section of my credit report - and since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( who does ) but at the same time I should be the final arbiter of what I agree or disagree with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I had a payment plan with Specialized loan sevices for XXXX, XXXX and XX/XX/year>. If all payments were made on time I would resume my regular mortgage payments. All payment were made on time. In XX/XX/year> I attempted to make my XXXX payment but Shellpoint mortgage servicing would not aceot my payment saying I had not made my XX/XX/year> payment. I have proof that it was made on time. I have spoke with several customer service representatives and were told I will get a call back. I still can not make my payments neither online, or over the phone. I was told that they can see that I made my made my XXXX payment but it was " unapplied '' That proves that I made my payment. If they have my payment than I should be able to make my regular payment. In themean time now it seems that am I am XXXX payment behind and now they want the whole $ XXXX and more and want to proceed with foeclosure when I already did a Hemap packet with a agency and it was already approved. I feel this company just wants to take advantage of me and my take my home when I am trying to just live and keep my home for me and my children. I feel they are being predatory and are not getting anywhere. I was told I could resume my regular payments and have not been able to. I need help to make my payments. I am able to make my payment. I dont want to do another packet as I already was approved. It is not my fault that you transfered my mortgage and they said they would honor the payment plan and they are not. I want to complain ABOUT THIS COMPANY. I just want to keep my home and make my payments again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation