vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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: GA

Complaint narrative:
I Requested My credit report From Trans union I wondered why my credit score was so low I Reviewed my Report & Notice Fraudalent Activites I Have 3 Inquiries on my account that I am not responsible for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are fraudulent activities I would like these XXXX Inquiries deleted from my credit report & I want a freeze placed on my credit

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 2024-10-09 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I'm writing regarding a derogatory rating on my account that's severely impacting my credit. This negative mark has already resulted in : 1. Denial of a recent loan application 2. Increased interest rates on my existing credit accounts These consequences are causing significant financial and emotional distress.

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 2024-10-09 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-09 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: NY

Complaint narrative:
I have written to them regarding the accuracy of my report, but they still have not responded with updating the report and removing the inaccurate information violating the FCRA. They continue to send stall letters requesting the same information that was sent to extend their time in responding.

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 2024-10-09 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries 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 2024-10-09 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: NJ

Complaint narrative:
XXXX XXXX BANK XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, ROUTE XXXX XXXX ( AUTO ) XX/XX/XXXX, COAF ( FINANCE ) XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK

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 2024-10-09 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: IL

Complaint narrative:
Im requesting help with the inaccurate account thats appearing on my credit report. The situation has impacted my reputation, and I need your support to resolve it. Due to the wrong information in my report, my reputation has been ruined. You need to remove this incorrect data from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: FL

Complaint narrative:
Upon reviewing my credit report, I found inaccuracies that are governed by 15 USC 16c-2. These errors are affecting my creditworthiness, and the hard inquiries were not authorized by me.

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 2024-10-09 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: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX  Laws Dear CREDITACPT, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws, specifically under XXXX  statutes .

It has unequivocally come to my attention that CREDITACPT has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, XXXX XXXXdentity theft laws highlight the importance of consumer consent and the protection of personal information. The XXXX Identity Theft Protection Act, codified under Title 6, Chapter 12B of the XXXX  Code, emphasizes the protection of consumer information and prohibits unauthorized access or misuse of such data. Any unauthorized reporting or misuse of my personal information not only violates federal FCRA provisions but also infringes upon the consumer protection standards enforced under XXXX law. 

I assert with unwavering certainty that I have not provided consent for CREDITACPT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for federal and state laws. 

I demand, with the utmost certainty, that CREDITACPT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including XXXX identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDITACPT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

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 2024-10-09 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:
The company has repeatedly violated my rights under the FCRA and will not respond to correspondence. 

According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

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 2024-10-09 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: PR

Complaint narrative:
The following hard inquiries are fraudulent and do not belong to me, therefore, they need to be removed. Thanks. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Certified Credit Reporting - XX/XX/XXXX Commercial Equipment Fin - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-10-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I do not recognize the debt associated with WORLD ACCEPTANCE CORPORATION that appears on my XXXX XXXX report. I demand verification of the alleged debt from WORLD ACCEPTANCE CORPORATION. An agreement between my person XXXX XXXX XXXX XXXX and WORLD ACCEPTANCE CORPORATION bearing my wet ink signature. Upon verification of the alleged debt I will proceed with the administrative process in order to cancel/discharge the alleged debt of the alleged debt is verifiable. If the debt can not be verified with an agreement between XXXX XXXX XXXX XXXX bearing my wet ink signature I demand that XXXX delete the account for identity theft purposes because WORLD ACCEPTANCE CORPORATION accessed my consumer report without my authorization and attempted to force me to pay them an alleged debt under the threat of duress and coercion by reporting negative remarks to my consumer report. As well as TAX FRAUD because they report to account as charged off on my XXXX XXXX report, and if the debt is a false then they charged off a fake debt and this must be reported to the IRS technical support division.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is now the servicer of my first and second mortgage thats was transferred from Statebridge effective XX/XX/year>. They continuously call and attempt to collect payment for my 2nd mortgage prior to the due date. The due date is the 16th of the month with a 15 day grace period. They have it set up as due the 1st of the month. The bills they send reflect the incorrect due date and they have rejected my attempts to set up an ACH because it would be outside of the incorrect due date they set up. They repeatedly call as if they are not aware of the problem in an effort to 1. Collect Money not yet owed and 2. To set up an ACH in line with an incorrect due date. Even though notes on my account are extensive and a research request is in place they continue to harass me with phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I closed on a property. Attorney gave me a check for proceeds from the attorney 's escrow account. 
I deposit it XX/XX/XXXX. 
I realize a few days later it says it won't be accessible until the XXXX. So I complain, I go to the chat feature and am told there's nothing they can do. So I then reach out to the banking representative. Told same thing. Then I check it today and see the date was changed from the XXXX to the XXXX. It's like they were punishing me for complaining. 
So I fumed all night and went first thing to the bank to find out why that was lengthened and to see if thdy can help, because it clearly says " PROCESSED '' and has for days.

I'm told there's nothing they can do. 
That is unacceptable. 

I told every single one of those people that I own a home in XXXX NC mountains that was damaged. It is a second home so is not eligible for XXXX funds. I need to cover the roof to protect it from further damage as XXXX XXXX is approaching. I am not unreasonable in my expectations or request. Their holding that money that long is causing me sincere distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
I got an email on XX/XX/year> about an overdue balance on a lease for cabinets that I never purchased. The company was Acima and I talked to their fraud department and I asked them to begin an investigation and I thought it was resolved but then today which is XX/XX/year> I received a phone call from a financial group that was attempting to collect the remainder of the money. I inform them that I had already talked to Acima and that I never bought these cabinets and they tried to tell me that maybe it was somebody in my home and that is not the case. I asked if I should file a police report and they said I could but in this case they have all the documentation to prove that I bought these cabinets that I never bought. But again I didn't buy the cabinets and I can not find any record in my bank accounts of ever having made payments but they say that two payments were made and they couldn't tell me from what account or exact numbers and allegedly they're sending me some sort of documentation now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On multiple occasions, I noticed the following : Monthly statement indicating a certain amount to be credited to the Principle, and another amount credited to the interest for the upcoming payment. The following statement, shows a lower amount credited to the principle and a higher amount credited to interest. This keeps the principle high. This has happened on multiple occasions.

Further, every payment made during a trial period was not credited, even though I was successful in making all Trial Period payments as agreed upon.

The property is going through the Foreclosure process, but I am in the process of selling it. The payoff amount, includes random charges that can not be explained by the mortgage holder.

I have attached two statements. 

Statement 5 indicates that the next payment will include {$530.00} towards Principle and {$790.00} towards interest. 

Statement 6 indicates that the payment made towards statement 5 credited {$480.00} towards the principle and {$830.00} towards Interest. 

This is fraud.

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 2024-10-09 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: IL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-09 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: NV

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a business account the beginning of XX/XX/year>. 
XXXX weeks ago i deposited a check of {$50000.00} and they wanted to verify the check. I assisted them with that. On XX/XX/XXXX, I wanted to receive a couple of wire transfers totallying {$110000.00}, however the transfers were rejected because the account was locked. 
I called chase, however they couldn't assist me. I went down to the XXXX XXXX, where I initially opened the business account and met with the banker who helped me open the account, he couldn't figure it out. Then they saw that they couldn't verify that I was the account holder. So the banker opened a new account, verified my identity with the state papers, as the account holder and transferred the money to the new account. The banker was very helpful and assured that he will make sure everything goes right. 
The next morning, XX/XX/XXXX at XXXX XXXX, the banker called the customer service to ensure that everything was alright and they confirmed that all was ok. 
However, at XXXX XXXX  the new transfers were rejected once again for the same reason, that they couldn't verify my identity. 
They said they will close my account and issue a check refund within XXXX business days. However, time is off essence and I can lose the deal, for the lack of funds being help up. 
Kindly assist so I can get the money released faster. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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:
FCRA violations : not my account XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX Account status Closed Age of Account XXXX XXXX XXXX XXXX XXXX XXXX Late payments XXXX

Company response to consumer: Closed with explanation