vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have XXXX Chase credit cards. On XX/XX/15, I received what I thought was a replacement card. I went to my Chase app to activate the card. Then I noticed that I had XXXX cards! I never applied for a XXXX  card. I called Chase. I talked to a representative and he asked if I applied for this card. No, I did not. He was going to take care of canceling the card. It was very odd, he asked me what my full social security number was. I did not give him my social security number. When I went on my Chase app later on the card was gone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: MN

Complaint narrative:
I am not liable for this debt with charter communications, they did not provide me with the original contract as I requested.

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 2024-07-17 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I asked if they can review my escrow because the amount that is quoted on my statement is more then what my insurance have on my declaration paper work. They told me to call my insurance company. Which I did. Insurance stated it my Mortgage company that is predicting an amount for taxes and insurance over 12 month period. XX/XX/year> My principal & Interest XXXX. Escrow $ XXXX Monthly payment XXXX. Now : Escrow {$570.00}. My monthly payment should be XXXX. But the mortgage company is adding a predicting of shortage of {$290.00} to my monthly payment which has increase my payment to XXXX, XXXX which I can't afford.

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 2024-07-17 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: NJ

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 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 payment reported in months that are reported late 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 1637 ( 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 1637 ( 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 1002 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 explanation
Consumer complaint received 2024-07-17 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: NJ

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 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 payment reported in months that are reported late 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 1637 ( 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 1637 ( 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 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 2024-07-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and this account was not opened by me. 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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
XXXX XXXX violated 15 U.S. Code 1637b. It requires creditor to provide a statement in the mail following the rules of 15 USC 1637b and I never received a statement with everything in that article of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the FCRA XXXX  account # XXXXhas violated my rights. 

FCRA section 605 B. It is illegal to report information on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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 2024-07-17 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove it from my credit report.

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 2024-07-17 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: MA

Complaint narrative:
My account with XXXX XXXX XXXX never late! I have had exceptional payment history with XXXX XXXX and XXXX 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 payment reported in 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc.
State: PA

Complaint narrative:
I have been fighting this for four years. I have never rented furniture with them and requested a contract with my signature in ink. They could not provide that information. I have disputed this many times with all the credit bureaus. I HAVE NOT MADE ANY AGREEMENT WITH SAID COMPANY OR THE DEBT COLLECTOR. This account need to be removed and deleted from my report or I will take legal action.It is stopping me from obtaining suitable living I have also sent them my ftcp report stating that my identity was stolen

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 2024-07-17 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
My mortgage was transferred from XXXXXXXX XXXX to Roundpoint mortgage. In the process of trying to set up biweekly payments, roundpoint mortgage made a series of errors, as though they had never handled such a process. Numerous calls and hours on the phone. Due to their mistakes, after being promised that the account was set up properly, I was assessed late fees. They got the payment dates wrong and various other errors. It took numerous months and phone calls to get this done correctly. Their logs should confirm this. Very hard to reach anyone knowledgeable, and today when calling to speak to a supervisor, they simply would not take my call, and after 34 minutes onhold for a supervisor, they said they would call me back ( which they didnt ). I still have a pending late charge dating back to XX/XX/year> for {$68.00}, due to their numerous errors, and was denied getting this penalty waived. The loan is finally bing paid biweekly properly, but they simply wont waive this fee -- financial penalty in addition to the frustration over their incompetance to set this up properly in the first place. Their loan processors act as though they have never done this before when it is a very simple request.

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 2024-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequoia Financial Services
State: CA

Complaint narrative:
they called me during working hours and hung up on me threatneing to sue me without any explaination

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: VA

Complaint narrative:
A few months ago through certified mail i reqested from all three credit buearues about {$15000.00} Open balance XXXX XXXX XXXX Original creditor I request that you conduct a thorough investigation of this account and provide me with the following information to validate the debt : XXXX. A copy of the original signed contract or agreement between myself and the original creditor. 
XXXX. An itemized statement of the account, including the principal amount, any interest, fees, or charges applied. 
XXXX. Proof that the collection agency is legally authorized to collect this debt on behalf of the original creditor. 
XXXX. Proof that I have a contract with [ name of collection agency ] bearing my signature.

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 2024-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, Subject : Immediate Deletion of Unauthorized Accounts from Credit Report, Revocation of Communication Rights, and Notice of Legal Action This notice is to inform you that you have unlawfully reported unauthorized accounts on my consumer report. I have not given you written permission to include any accounts on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your actions amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable by up to 2 years of imprisonment, in addition to civil liability. 

Furthermore, this agency is in violation of 15 USC 1692g. You were required to notify me of these debts in writing within five days of your initial communication. I did not receive any such notification. As the original creditor, only I can validate this debt, and I do not validate it. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, I hereby revoke all rights for your agency to communicate with me through email, text, or phone calls. All future correspondence must be conducted in writing and sent to the address provided at the top of this letter. 

Failure to respond satisfactorily with the deletion of the above-referenced accounts and to send me a free copy of my report after the changes have been made will result in legal actions being taken against your company. I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Please conduct a thorough investigation of these accounts and provide me with written confirmation of their removal. I expect this matter to be resolved promptly, as it is severely impacting my creditworthiness and financial wellbeing. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: GA

Complaint narrative:
am wriGng to express my dissatisfaction on FOX COLLECTION CENTER with your recent attempt to collect a debt from me regarding my purported overdue balance of {$7900.00}, allegedly owed to XXXX XXXX XXXX XXXX. You are also in violation of 15 U.S. Code 1692e ( 10 ) False or Misleading Representations. Cease the reporting of the fraudulent items being reported immediately. I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have any contract with FOX COLLECTION CENTER. These accounts are fraudulent and does not belong to me, I have attached a FTC report along with this document.I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. Someone has opened up a fraudulent accounts in in my name that is now reporting to my credit. The following account FOX COLLECTION CENTER ( Original Creditor : XXXX XXXX XXXX XXXX. ). I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX XXXX. and I do not have any contract with XXXX XXXX XXXX am requesting the following 1.Immediate Cease of reporting this alleged debt to any Credit Reporting Agency 2.A formal apology from FOX COLLECTION CENTER for the violation of my rights under the FDCPA. XXXX. Compensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. 4. Reimbursement of any legal fees incurred in addressing this matter. If these demands are not met within upon of receiving this letter or 30 days of the XX/XX/year> of this letter, I will be led with no choice but to pursue legal action against FOX COLLECTION CENTER in small claims court to seek the afore mentioned remedies and compensation for the violations of my rights as a consumer under the FDCPA. I have attached a copy of my FTC report, ID, and notice to FOX COLLECTION CENTER. ( Please see attachments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: TX

Complaint narrative:
these hard inquiries are fraudulent and doesn't belong to me and need to be removed. also, the nest as well. thanks 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 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 explanation