vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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: DC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest employed XXXX XXXX XXXX to illegally and unlawfully XXXX Trust property right out of their garage. When we attempted to resolve dispute with Bridgecrest, we were told to contact repo company. When we contacted repo company, we were told to contact Bridgecrest. We tried to remedy the situation, and the company refused to act and has caused adverse harm to the beneficiaries by seizing their essential consumer goods personal private automobile. The Trust has equitable ownership by nature and Bridgecrest has no evidence of contract with any party. They are complicit in trespass, harm and stolen property.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$8700.00} XXXX XXXX XXXX  Balance {$850.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit 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 non-monetary relief
Consumer complaint received 2024-04-03 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: PA

Complaint narrative:
FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Could you kindly examine the paperwork? Several of the listed accounts contain inaccuracies concerning reporting, amounts, and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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:
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 explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Tried to purchase window tint exemption consultation, never received services. Disputed the transaction with Chase, they declined the claim. Was met with rude customer service department when calling to figure out why claim was denied. Now Im out on {$130.00} and will probably close my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Prog Holdings, Inc.
State: SC

Complaint narrative:
I made a purchase to XXXX on XX/XX/XXXX. The order was cancelled by XXXX and I did not receive any of the merchandise. I contacted XXXX to let them know so the charge would be reversed and my down payment would be refunded. XXXX refused even after me providing the order number and proof of the order being cancelled. When a 3rd party such as XXXX purchases an order, they use their own card. The card XXXX issued ended in XXXX. I am not sure if that is the reason why they are denying the order was cancelled but I have sent over more than enough documentation to prove the order was cancelled.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
This XXXX XXXX XXXX XXXX { XXXX } just appeared in my credit file in XX/XX/2024. 
I have never opened an account and received products. I have never used my name, signature or government ID to open an account. I never received any products. This is a fraudulent account and identity theft. 

This XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: TX

Complaint narrative:
XXXX XXXX XXXX Account Number XXXX After contacting Experian and XXXX, the response I received from Experian is reporting this account as a charge-off as far back as XX/XX/XXXX then in XXXX Reports as 30 days late 3 times, then reports as paid on time 3 times, then in XXXX 60 days late 6 times then 30 days late 4 times, and paid on time 2 times in XXXX. 
How can this be accurate if this account is reporting as a charge-off as far back as XXXX? I have tried to resolve this issue and no success.

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 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Throughout my dealings with this account, I've consistently made sure payments are prompt, never allowing them to lapse into overdue status. The reports of late payment remarks on my accounts leave me uncertain. Under 15 USC 1666b - Billing Error, correction is warranted.

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 2024-04-03 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:
These inquiries are unrelated to me, and I did not provide authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: DC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-03 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: DC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-03 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: Rent Recovery Solutions
State: NC

Complaint narrative:
Hello, So there is a debt amount that they are claiming are from Rent Recovery Solutions debt collection which I have no knowledge of and I never received any notices or statements from them. I have already sent them a letter through certified mail from my attorney stating that I wanted a debt validation as well as it removed from credit report. I have no idea what this is and I was never notified before a collection was reported on my credit statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Account charged off. {$2600.00} written off. {$1900.00} past due as of XXXX  2024. 

This is not my debt. I never had a credit card with that much limit. This is a case of fraud or a mistake has happened

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I requested to pay my mortgage bill via XXXX  XXXX XXXX XXXX banking bill payment system for {$4100.00} to Citizens. XX/XX/XXXX Citizens returned this payment back to XXXX  XXXX XXXX. But this amount was not credited back to my account. Myself and XXXX  XXXX XXXX tried to resolve this with Citizens Mortgage, but they did not give us any information nor did they try to help us resolve this issue. From XX/XX/XXXX till XX/XX/XXXX, I have made several calls to both Citizens and XXXX  XXXX XXXX and been bouncing back and forth with no resolutions. None of these companies takes ownership of who has the funds to release these to my account. On XX/XX/XXXX, I spend another 2 hours between XXXX  XXXX XXXX deposit department and Bill pay department and didnt make any progress. There were few a things that were learned in the banking jargon as I included a family member on these calls that is in banking. XXXX  XXXX XXXX uses a third party bill pay company XXXX XXXX XXXX XXXX ) Which is where funds were returned according to letter provided by Citizens. There was another transaction exactly the same payment to Citizens via bill pay in XX/XX/XXXX that was also returned and these funds were credited to my account without any issues. In XX/XX/XXXX, I finally received my missing payment from XXXX  XXXX XXXX in the amount of {$4100.00}. However they said it was not their fault that the payment went missing for so long. They said Citizens made no effort to resolve the issue and the damages and inconvenience cost should be recovered from Citizens. Citizens has been charging me heavy interest and late charges on my missing mortgage payments but when they lost such a large amount of mine, who would pay the penalties for that? 
See attached letters from both XXXX and Citizens showing XXXX  XXXX XXXX bill pay went out and also the confirmation that this was returned by Citizens. Having these large sums of funds missing for a single mother for 12 months is just ridiculous and needs the attention that this deserves to get a resolution. If you have any further questions, please contact me, XXXX XXXX, at my cell phone XXXX to get a resolution in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Starting on XX/XX/XXXX I notified TransUnion credit bureau that I was having trouble getting online access to my credit information. After much discussion I was informed that my on-line access was blocked permanently. I inquired why this is and no one, at first, could explain the reason. After more phone calls a little bit of information came out. Transunion claims that something " possibly '' fraudulent took place with my account in XXXX. I was never informed of this nor was I given a chance to help resolve the problem and the permanent block was placed permanently on my on-line access. I explained that I wanted the block removed immediately and they refused and even hung up on me during a phone call. They will tell you that I have telephone access to my information but I don't feel secure in discussing credit information and details of my credit history over the phone. I only found out about this block when I saw credit information at closing on a new house. Where the other XXXX bureaus provided credit scores Transunion had replied " Blocked '' to the request for credit information. This peaked my interest and that was when I started calling Transunion about the situation. It didn't stop my wife and I from getting approval on the new house because the other XXXX scores are excellent and my wife 's scores are excellent also. However recently I applied for a car loan and XXXX XXXX denied me a loan due to incomplete credit information. I can see how this will be a problem in the future if a need for credit comes up again. I have been unable to get Transunion to change their position on this with no explanation on why the block exists. They will tell you that this is for my protection. I disagree. they are not allowing me access to " My '' information on-line and I want the freedom to access " My '' information on-line restored 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 2024-04-03 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: CA

Complaint narrative:
The late payment showing on this account from XXXX of 2023 is completely inaccurate. I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: PA

Complaint narrative:
I am writing to formally dispute several charges on my XXXX XXXX account # XXXX, that I believe to be the result of fraudulent activity. As a consumer protected under federal and state laws, including the Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ), I am exercising my rights to challenge these unauthorized transactions and request a thorough investigation into this matter.

The unauthorized charges in question are as follows : XXXX XXXX Account number XXXX Balance {$2100.00} Date opened XX/XX/2019 I assert that I did not authorize this credit card and have taken immediate steps to protect my rights and mitigate any further damage to my financial well-being. Pursuant to the FCBA and EFTA, I demand that you promptly investigate these charges and provide me with written acknowledgment of receipt of this dispute within XXXX  days, as required by law. 

Furthermore, I request that you : Provide me with copies of all documentation related to these disputed transactions, including but not limited to transaction records, merchant agreements, and any other relevant information.

Temporarily credit my account for the disputed amount while the investigation is underway, as mandated by the FCBA.

Cease all collection efforts related to the disputed charges until the investigation is completed, as stipulated by federal law.

I am aware of my rights under the FCBA and EFTA, including the right to request a written explanation of the results of your investigation and to dispute any findings with which I disagree. I also reserve the right to seek legal counsel and take further legal action if necessary to protect my rights and interests as a consumer.

Please treat this matter with the urgency and seriousness it deserves, as failure to comply with federal and state consumer protection laws could result in legal consequences for XXXX XXXX. I expect a prompt and thorough resolution to this dispute in accordance with applicable laws.

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 2024-04-03 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief