vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I had a credit card with Genesis FS Card Services and that card ended with the number XXXX, I paid that credit card off by settling with them on a lower amount and when I paid it off they sent me a letter stating that the account had been settled for less than the full balance. I paid off the amount I owed and settled on XXXX of XXXX. I received the first letter confirming that I had paid off the account in XX/XX/year> and the letter stated that I may receive a final statement reflecting the settlement payments and that the amount had been forgiven. However, that letter showed a different account number ending in 1890 and it was now calling the mastercard " The Destiny Mastercard '' when it was a Milestone Mastercard. I called them several times to ask them why they changed the number and the answer they gave me was that because the card had expired and it was changed to XXXX and that now they were going under Destiny not Milestone, so they had apparently changed the name of the credit card company, but that it was the same account as the one ending in XXXX. I asked them to correct that and to send me that explanation in writing and they wouldn't do it. They sent a 3rd letter on XX/XX/year> with the same incorrect information. After that occurred, I began to receive collection notices and get harassed by XXXX XXXX XXXX and now I am getting harassed by a collection company called XXXX XXXX, XXXX. Genesis has caused my credit score to be damaged due to them reporting false information and selling that account to XXXX  and XXXX  selling it to XXXX XXXX. I have already spoken to XXXX  and Firstsource and XXXX continues to harass me and report late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Chase Bank for an unauthorized withdrawal of all the funds from my account without my consent. 

On XX/XX/XXXX, I discovered that Chase Bank had withdrawn {$1800.00} from my account without any authorization from me. This action has caused significant inconvenience and stress. 

On XX/XX/XXXX, I requested that a XXXX account with a XXXX balance be closed. Chase, by mistake, attempted to close my checking account and withdrew all the funds from it. This is not something I authorized or agreed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
I received 2 emails and a text today XX/XX/year> Received emails from XXXX XX/XX/year> XXXX est " Meet your new Chime account '' XXXX XX/XX/year> XXXX est Your Credit Builder application is almost complete! '' I did not sign-up for a Chime account, nor did I consent to one being opened. I noticed the address information they have is from over 10 years ago but uses my current email and phone number. 

I logged into this account after resetting the password, locked the, and opened chat with an agent on the app on my phone. I requested that this account be closed, they gave a service request id of XXXX for my request. 

They opened this account without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
I am sending my identity theft report for fraudulent accounts still being reported on my credit. I have already notified Experian that these are from 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 2024-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
I was told during the process of getting a vehicle at this site that my credit score would have no impact on my purchase ; all I needed was proof of employment and proof of bank statements. I applied for a loan not knowing that my credit report was being accessed ; thus showing up as a " hard inquiry '' on my credit report. As this would have an impact on my current score, I would not have agreed to it if the company had disclosed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
While checking my credit report a few months back, I noticed errors concerning the account for CAPITAL ONE ( XXXX ) and XXXX ( XXXX ). This is a violation of my rights. I contested these errors with the three credit bureaus and the creditor, yet I received only vague responses. Therefore, I am submitting this complaint based on my research. The company is in violation of sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-29 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 have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HireRight Solutions, Inc.
State: TN

Complaint narrative:
I am a survivor of trafficking and have provided HireRight XXXX XXXX with the necessary documentation, as required by law, to block certain information from my consumer report. Specifically, I submitted the following documents Victim Determination Letter, The Final Rule, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Proof of Identification on XX/XX/year>. Despite my compliance with all legal requirements and my repeated requests, HireRight XXXX XXXX has failed to block the information in my consumer report. This failure is a direct violation of the following statutes.XXXX  Victims Protection Act ( TVPA ), XXXX XXXX Code XXXX, XXXX CFR Part XXXX ( Regulation V ), 15 U.S. Code 1681n. HireRight Holdings Corporation responded on 07/29/2024 claiming my documentation doesn't meet standards which is willful non compliance because these same documents been used to block information with other reporting agencies so the responded without blocking information with the 4 days allowed. I followed up with an Intent To Sue Letter on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
On XX/XX/year>, I discovered that I had multiple inaccuracies reported on my credit report by XXXX XXXX XXXX XXXX. This information is incorrect because the date of last payment, past due amount, payment amount, date opened, and high balance were incongruently reported on my credit reports. 

On XX/XX/year>, I sent formal dispute letters to XXXX, Equifax, and XXXX, including reasons to support my claim. The credit reporting agencies have yet to correct the information, which continues to negatively impact my credit score. 

I have also sent formal dispute letters on XX/XX/year>, XX/XX/year>, and XX/XX/year> to investigate and correct these inaccuracies. Over the course of six months, I have yet to receive a response, and this is greatly hurting my credit score. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : this section describes the procedure for disputing inaccurate information. It requires credit reporting agencies to investigate disputes and correct or delete inaccurate information within a certain time frame. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: NJ

Complaint narrative:
Hello, This account was charged off on the following date ( XXXX, 2017 ) Since then this account has repeatedly been updated as charged off EVERY month. This shows an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. There are other discrepancies reporting on this account also but this is just one of them. 
You have failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: CA

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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:
Today XX/XX/year> I received notification from Experian informing me that they are refusing to comply with Federal law. The email communication I received denies my truthful and accurate fraud claim and reporting. Experian insists on continuing to unblock the fraudulent reporting of inaccurate fraud charges on my consumer report. 

This is your opportunity to cure and resolve issue before further legal action is taken.

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 2024-07-29 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: Westlake Services, LLC
State: VA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by ADR.ORG. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.

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 2024-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: HI

Complaint narrative:
MY MORTGAGE WAS PURCHASED BY A COMPANY FLAGSTAR WHOM ADDED AN ESCROW ACCOUNT TO MY MORTGAGE WHICH I DID NOT AUTHORIZE. I HAVE CONTINUOUSLY TRIED TO REMOVE THIS UNAUTHORIZED PAYMENT AND SPOKE WITH REPRESENTATIVES WHOM SAID THEY DID SO ON XX/XX/XXXX WHEN THEY CHARGED ME FOR THE REMAINDER OF THE ESCROW PAYMENT TO CANCEL THE ESCROW WHICH IS CALCULATED AT XXXX THEY SAID THEY ALREADY UPFRONT PAID MY TAXES. TO DATE THE UNAUTHORIZED ESCROW PAYMENTS HAVE NOT BEEN REMOVED AND THEY ARE CONTINUING TO CHARGE A LATE FEE. THEY NOW REFUSE TO SPEAK TO ME ABOUT ANYTHING BUT THE PAYMENTS THAT ARE BACK. THEY HAVE OVERCHARGED ME SINCE XXXX OF XXXX WHEN THEY PURCHASED THE LOAN

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