vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Missed Payments- Due to financial hardship and Covid 19, I was unable to work during these periods. 

XX/XX/2022 XX/XX/2022 XX/XX/2022 Late Payments- Due to financial hardship and Covid 19. 
XX/XX/2022 XX/XX/2022 XX/XX/2022 I have disputed these remarks but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
My insurance company paid out a claim for damage to my home earlier this year, but due to the payout amount, {$43000.00}, the check needed to be held by my Mortgage Lender, BSI Financial Services. The main issue is with their 'Loss Draft ' Department which evidently handles payments from the insurance company and responsible for issuing the funds from the insurance company for repairs. I've followed the required process and submitted all required documentation with regard to our Contractor, this was submitted via the " Loss Draft Portal '' near the end of XXXX and again at the beginning of XXXX, due to a technical difficulty with their system. After a month and a half and as of today, BSI has failed to issue any funds in which to pay my contractor for work performed so far. I've called multiple times over the past 2 months to inquire about the payment delay, and even spoken with supervisors, but have yet to receive any meaningful answer or solution to the issue. We need our funds issued IMMEDIATELY so we can pay our contractor and need to your help. Is there something you can do to expidie the process?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card 63 account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am XXXX and hold superior title and ownership over the principal ( XXXX XXXX XXXX ). I rebuke and reject XXXX false presumption through a promissory note claiming my superior title and ownership over the principal ( XXXX XXXX XXXX ). I command XXXX with the account number XXXX to remove their debt immediately from my credit profile. The attached photo identification is evidence I hold superior title and ownership over the principal ( XXXX XXXX XXXX ) and that XXXX has no standing at law against my superior title and ownership over the principal ( XXXX XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: GA

Complaint narrative:
After reviewing my credit report, and making multiple complaints. I've found that inaccurate and unverified information is still being reported on my credit report. Reporting dates, as well as open dates are inconsistent, and inaccurate. 

By law, Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

It has been well beyond 30 days, and this information has not been removed. I have provided a screen shot, showing the blatant inaccuracies. And I also have yet to received an original copy of my signature, giving consent to these services and to my personal information being furnished to be reported. I've requested this twice, over the past 90 days. This is a clear act of willful negligence. 

The account in question is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: GA

Complaint narrative:
After reviewing my credit report, and making multiple complaints. I've found that inaccurate and unverified information is still being reported on my credit report. Reporting dates, as well as open dates are inconsistent, and inaccurate. 

By law, Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

It has been well beyond 30 days, and this information has not been removed. I have provided a screen shot, showing the blatant inaccuracies. And I also have yet to received an original copy of my signature, giving consent to these services and to my personal information being furnished to be reported. I've requested this twice, over the past 90 days. This is a clear act of willful negligence. 

The account in question is : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: TX

Complaint narrative:
Im trying to dispute because I've already reached out to the CRAS for validation of this alleged debt and if can't be verified would like this to be deleted they have yet to meet the demand in verifying or removing the accounts

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 2023-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Someone has a capital one card credit in my name and has had it for some years now. Ive been a victim of identity theft for a few years now it had gotten so bad now the IRS has to send me a pin each year to file my taxes because someone had tried that wasnt me. I have a bankruptcy case scheduled in Delaware court in XXXX and I have NEVER lived in Delaware nor filed for bankruptcy i dont know who has my information but its making my life extra hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: GA

Complaint narrative:
After reviewing my credit report, and making multiple complaints. I've found that inaccurate and unverified information is still being reported on my credit report. Reporting dates, as well as open dates are inconsistent, and inaccurate. 

By law, Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

It has been well beyond 30 days, and this information has not been removed. I have provided a screen shot, showing the blatant inaccuracies. And I also have yet to received an original copy of my signature, giving consent to these services and to my personal information being furnished to be reported. I've requested this twice, over the past 90 days. This is a clear act of willful negligence. 

The account in question is : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card XXXX account under an open end consumer credit plan as late for any purpose.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
It has come to my attention that Indigo Mastercard has falsely reported that I am 120+ days late on payments, even though my account has been closed following a ruling in my favor regarding an identity theft incident.

I want to emphasize that I have already been recognized as a victim of identity theft, and the ruling in my favor clearly states that I am not responsible for any fraudulent transactions made on the Indigo Mastercard account. The account has been closed to prevent any further unauthorized activity. Therefore, it is extremely distressing to see this inaccurate information on my credit report, as it could have negative implications for my financial standing.

To assist in resolving this matter promptly, I have attached copies of the official ruling in my favor, which clearly states that I am not liable for any fraudulent charges incurred. Additionally, I have included documentation confirming the closure of the Indigo Mastercard account as a preventative measure against further unauthorized use.

I kindly request that you initiate an investigation into this matter and take the necessary steps to correct this false information on my credit report. It is of utmost importance to rectify this issue as soon as possible to ensure the accuracy of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-09-05 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: WA

Complaint narrative:
XXXX  XXXX XXXX website stated I can get a pre approval without affecting my credit score. This was not true and now I have 5-6 hard inquiries on my credit reports. I spoke with XXXX the Manager at XXXX XXXX XXXX in XXXX WA, on XX/XX/XXXX and he said that if I dispute the inquiries he wouldnt dispute back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: WA

Complaint narrative:
XXXX  XXXX XXXX website stated I can get a pre approval without affecting my credit score. This was not true and now I have 5-6 hard inquiries on my credit reports. I spoke with XXXX the Manager at XXXX XXXX XXXX in XXXX WA, on XX/XX/XXXX and he said that if I dispute the inquiries he wouldnt dispute back.

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 2023-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I received a debt collection on my credit from XXXX saying i owe {$1200.00}. But ive never had a phone from XXXX in my name. My phone has always been in my mom and dads names.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I walked into an XXXX Texas XXXX XXXX XXXX XXXX XXXX. I Received XXXX. Now showing I owe over XXXX dollars. Im struggling living paycheck to paycheck. The fees are astronomical higher and increased. Im currently on a {$35.00} per month payment plan. Now being Reporting as a Collection Negative derogatory mark on my XXXX score. Im also disputing the calls, received to my friends and family at all hours of the night and day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On my report the companies that I didnt apply or doing business with are showing. 
These are XXXX reports on my account and Ive never applied their services or doing business with them. Please remove these from my report. 

TD auto finance XXXX XXXX XXXX TD auto finance TD auto finance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
This company which I hold no contractual agreement with no have received services from has opened a collection against my SSN and have reported to the credit agencies that I owe a debt of {$310.00}. They have reported used XXXX, XXXX and XXXX to damage my credit. 

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party who you claim to have received services which has caused for you to seek a debt to be paid and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Considering there is no contractual agreement Nor have I received services from this company I am not binding nor obligated to pay any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-09-05 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 you because you are reporting inquiries on my credit report that I do not recall. I did not authorize the inquiries below. Please review the items listed : Creditor name : XXXX XXXX Creditor name : XXXX XXXX Creditor name : XXXX XXXX Creditor name : XXXXXXXX XXXX XXXXXXXX Creditor name : XXXX XXXX Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file 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 2023-09-05 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: WA

Complaint narrative:
XXXX XXXX XXXX website stated I can get a pre approval without affecting my credit score. This was not true and now I have 5-6 hard inquiries on my credit reports. I spoke with XXXX the Manager at XXXX XXXX XXXX in XXXX WA, on XX/XX/XXXX and he said that if I dispute the inquiries he wouldnt dispute back.

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 2023-09-05 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: NY

Complaint narrative:
This is my 2nd written notice trying to resolve this issue before further action. I attached a document with all details. I have not received any legal proof that these accounts are verified accurate.

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 2023-09-05 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: GA

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 2023-09-05 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: GA

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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 had identity theft and I reported it to the police on XX/XX/2023, I sent this information to the credit bureaus together with my identification and they tell me that they did not receive this information, only the letter, which is not correct. 

I demand that my consumer rights be enforced and that my case be investigated since I do not want to wait any longer. 

Thank you

Company response to consumer: Closed with non-monetary relief