vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
A few years ago I signed up for an Experian online account, which means I've established a contract with this company. My credit is very important to me, so I've created the Experian online account to monitor the health of my credit and if issues arise, to dispute such issues online - as promised in the contract. 

In the past couple of months I've been running into the same problem- Experian no longer allows me to dispute inaccurate information on my credit report through my online account, which is a clear violation of my contractual agreement with them. 
This issue is giving me lots of problems, inconvenience and immense frustration. I want to be able to dispute online any inaccurate information on my report. 

I tried to call Experian numerous times to resolve the issue, however their system is design to frustrate their clients by not giving them option to speak with a real person. 

Your immediate attention to this issue is crucial, fix your system and allow me to dispute inaccuracies though my online account ASAP.

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 2024-02-20 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: MS

Complaint narrative:
In applying to get this information removed for about the seventh time I will refused to stop trying to because of my rights. Also I have been told that the CFPB hasn't looked because of the fact that they have a XXXX who have an complain in and because of this don't repay and therefore the credit company knows this and gives the same answer and that is not right. It's not my fault nor is it the problem of everyone that has filed an complaint. This information was removed by XXXX because of the facts and therefore moved the it from their records based on the same facts i attached in the to this complaint. There's a need to assure that the consumer reporting agencies exercise their grace responsibilites with fairness impactiality and respect for consumers rights to privacy in applance with the fair credit reporting act 5611. 15. U.S.C. & 16811 states that the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: MS

Complaint narrative:
In applying to get this information removed for about the seventh time I will refused to stop trying to because of my rights. Also I have been told that the CFPB hasn't looked because of the fact that they have a XXXX who have an complain in and because of this don't repay and therefore the credit company knows this and gives the same answer and that is not right. It's not my fault nor is it the problem of everyone that has filed an complaint. This information was removed by XXXX because of the facts and therefore moved the it from their records based on the same facts i attached in the to this complaint. There's a need to assure that the consumer reporting agencies exercise their grace responsibilites with fairness impactiality and respect for consumers rights to privacy in applance with the fair credit reporting act 5611. 15. U.S.C. & 16811 states that the information must be deleted.

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 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JEFFERSON CAPITAL SYST or egregious violations of my consumer rights, as protected by the Consumer Financial Act. It has come to my attention that JEFFERSON CAPITAL SYST placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt.

I hereby declare my revocation of all communication channels with JEFFERSON CAPITAL SYST, including txt messages, emails, and phone calls. I insist on engaging exclusively through written correspondence.

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that JEFFERSON CAPITAL SYST provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If JEFFERSON CAPITAL SYST is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.

The date on my consumer report indicating that I opened an account with JEFFERSON CAPITAL SYST is blatantly false. I neither received any services or products from JEFFERSON CAPITAL SYST nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights.

Moreover, it has come to my attention that JEFFERSON CAPITAL SYST is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution.

The actions of JEFFERSON CAPITAL SYST constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ,12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions.

Please keep me informed about the progress of this complaint, and I appreciate you attention. 

JEFFERSON CAPITAL SYST- $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: NY

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, I mailed XXXX XXXX XXXX requesting validation of the alleged debt on my credit report by producing the original contract with a wet ink signature. Additionally I sent letters to XXXX, Equifax, and XXXX requesting validation of the alleged debt. In response, XXXX XXXX XXXX sent a letter dated XX/XX/XXXX, wherein they confirmed an outstanding balance, however they have failed to validate the debt by producing proof of the original contract with wet ink signature. The credit reporting agencies mentioned notified me the debt was " verified '' but failed to outline investigation procedures as requested or produce proof of the original contract. I have disputed the account with Equifax, XXXX, and XXXX demanding the unverified items be removed from my credit report immediately. They have yet to do so and claim XXXX XXXX has continued to verify the debt. Additionally, I am still receiving mailed statements from XXXX XXXX XXXX  despite the fact that I have yet to be sent proof of the original contract for this alleged debt. These companies is in direct violation of 15 U.S.C. 1692 ( c ), U.S.C 1692 f ( 1 ), AND U.S.C. 1692 ( g ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have had fraudulent mortgage chargers ( to my home loan ) for several years now FROM Chase Bank. I have received many emails EVERY month saying that my mortgage is in arrears, and I am in foreclosure. Chase customer service rep recommended that I go into a branch and make extra payments ( which I did ). This is in addition to ; my monthly electronic withdrawal payments from checking account ( see attached ). XX/XX/XXXX, my principal balance was {$700000.00} ( see attached ). I made several requests for an amortization of my loan and Chase has not complied. I requested copies of my electoral withdrawals ( because I misplaced my checking account statements ) copies and Chase never responded. My original loan amount was {$120000.00} in XXXX now after 30 years Chase closed my account XX/XX/XXXX. I made an estimate of {$270000.00} in added mortgage payments, Now XXXX XXXX ( whom I never heard of ) says I owe I them {$130000.00} after I have already made payments estimated at {$350000.00} XXXX ( see attached ) over the 30 years. I made large payments of {$55000.00} once in XXXX and {$50000.00} XXXX TO BUY DOWN THE PRINCIPLE. I made {$35000.00}. in XXXX that was to pay down on my principle, but they applied it to my payments to the interested. I never asked that the payments should go to interest because these judgments were fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, such, XXXX XXXX XXXX XXXX XXXX REPRESENT CHASE and these law firms sent me hundreds of letters with fake judgments. These judgments were added to my prinsple mortgage balance amount. Now I want to open a claim for {$350000.00} to recoup some over charged payments that were a result of these fraudulent judgments. 


XXXX XXXX Email XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

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 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 2024-02-20 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: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting an incorrect account ( XXXX ) which is destroying my credit score AND does not belong to me. The original creditor is named as XXXX XXXX. 

I am not liable for this debt with XXXX XXXX nor Jefferson Capital System.

I do not have a contract with either company. I have reached out to both companies to provide me with the original contract and neither have responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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:
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 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 2024-02-20 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: FL

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 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 2024-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Someone tried to get a account with XXXX XXXX not me I've asked several times to make sure Information is before trying to approve & they still allowed .Now my score has drop 10 points .I have no knowledge of this inquiry.

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 2024-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
On XXXX XXXX, XXXX our house was destroyed by a falling tree. Our insurance company reached a fair settlement and claim checks were sent to our mortgage company and us, as usual. In XXXX XXXX our mortgage company was sold to another company, Newrez LLC, who assumed both the mortgage and the claim. From the beginning, Newrez has been almost impossible to deal with. They inherited {$84000.00} of claim money and when we were ready for a disbursement they started a series of obstructions and delays. I had to re-send all the relevant documents to them, though those should be in our record from our earlier mortgage company. Then they asked for other documents that our last company did not need. I sent those, made sure they had been received and revised any they rejected. Then, on XX/XX/XXXX, I asked for a required inspection so we could receive the money we need to pay large bills on XX/XX/XXXX. First they said the inspection request hadnt been submitted, though my request is recorded in their web portal. We finally got the inspection on XXXX XXXX. On the XXXX I was told we passed at 90 % completion and would get {$40000.00}. Thereafter I heard nothing. On XX/XX/XXXX I began a series of email inquiries that were never answered. I called and sent questions through the web portal. Silence. On XX/XX/XXXX the only rep we have ever been connected with apologized for the delay but shed been in and out of the office and didnt realize our disbursement was declined for reasons that made no sense to meneeding documents they already had, wanting new documents Id never heard of, prior releases that didnt match our estimate ( Newrez has released no money ). I the midst of this I found out they were not paying our mortgage and we were in arrears. Recently I discovered their claims are outsourced to XXXX XXXX, operating as XXXX XXXX XXXX fact never disclosed. Multiple subsequent emails asking for explanations have not been answered. We now have to take money from a HELOC at 8.74 % to pay our bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please see attached documvents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have never stayed at the addresses below and would like them removed/ deleted from my consumer report. 
XXXX XXXX XXXX, XXXX, SC XXXX Date Reported : XX/XX/05 XXXX XXXX XXXX XXXX, XXXX, SC Date Reported : XX/XX/05

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 2024-02-20 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: CT

Complaint narrative:
I am writing to follow up on my dispute regarding certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the same hard inquiries that I know are inaccurate and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: CT

Complaint narrative:
I am writing to follow up on my dispute regarding certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the same hard inquiries that I know are inaccurate and should be removed.

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 2024-02-20 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-20 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: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
FNB OMAHA is reporting accounts/addresses that do not belong to me.

FNB OMAHA- credit card ( DO NOT BELONG TO ME ) Address as follows does not belong to me : XXXX XXXX XXXX XXXX XXXX GA 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 2024-02-20 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 explanation