vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
The car has a design flaw and needs a {$12000.00} repair. The car was paid in full but is reporting as charged off on my credit report. My account is showing as paid in the system but not reflecting as paid on my credit report. 

I requested several documents and information from them via certified mail with no response : I requested : 1. A loan satisfaction letter as the loan is paid in full, 2. The XXXX form from XXXX releasing title of the vehicle, 3. The 1099-C that was supposed be issued when a debt is charged off with the IRS required by law for debts over {$600.00}, 4. A full account and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: STANDARD MORTGAGE CORPORATION
State: LA

Complaint narrative:
I have been on medical leave since XXXX XXXX. I've been doing my best to keep up mortgage payments even paying a couple of times over the amount so i can catch up on the late payment. I went to pay another payment they won't accept on line or over the phone. I also went back and realized they hadn't processed my last payment. I received a confirmation number but mortgage company refusing to take payment. Loan officer stated it will show me more behind and they can start foreclosure proceedings.

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 2024-07-24 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: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate information that continues to be reported on my credit report maintained by Experia, XXXX and XXXX. Despite my repeated efforts to rectify this issue, the incorrect information has not been removed from my credit file. 

Since XXXX, I have consistently submitted supporting documentation to XXXX XXXX XXXX {$62000.00} and XXXX XXXX XXXX XXXX {$12000.00} rectify these errors. These documents include [ list supporting documents submitted, e.g., identification documents, dispute letters, correspondence with creditors, etc. ]. 

Specifically, I have sent letters and supporting documents. 
Despite these efforts, the incorrect information remains on my credit report. This situation has caused significant inconvenience and financial harm as it has adversely affected my creditworthiness and ability to obtain favorable terms on loans and credit accounts. 

I request that Experian, XXXX and XXXX to immediately conduct a thorough investigation into this matter and take appropriate action to remove the inaccurate information from my credit report. I also request a written confirmation once the correction has been made. 

Enclosed with this letter are copies of all supporting documents for your reference. Please review these documents carefully to verify the accuracy of my claim. 

If necessary, I am prepared to pursue further actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are protected. I expect a prompt resolution to this matter and request a response within 30 days of the receipt of this letter. 

Thank you for your immediate attention to this urgent matter. I look forward to your prompt response. 

Sincerely, 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 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I want you to know that I understand my financial obligation, and if it werent for an unexpected death and a major XXXX from very close relatives affecting my household and income, I would have been able to continue making on time payments. I had to request personal unpaid time off from work for a mental break. I made a mistake in failing behind, but since then, I have been able to return back to work full-time. I can now officially pick up where I started and continue on a clean slate. 

Im planning to apply for a mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments and update my account on all 3 credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-24 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: CA

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 2024-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Hello I want to file a complaint against XXXX XXXX XXXX or American Express. I was recently in a car accident and I was in the XXXX  for half a year. Now I'm out and making money again through my XXXX. I was paid yesterday and nobody can tell me where my money went. The balance owed isn't getting smaller either. I just want to know where my money is going or a closing of this account with no further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am writing to file a complaint regarding an issue with Credit Collections that I believe is a violation of the Fair Credit Reporting Act ( FCRA ). 

I recently reviewed my credit report and discovered a collection account from XXXX XXXX XXXX XXXX listed by Credit Collections. I never received any notice about this outstanding bill. Upon discovering this, I immediately called Credit Collections, paid the account, and requested its removal since I was never given the opportunity to dispute the debt or pay it before it was reported, which are my rights under the FCRA. They confirmed they had mail returned on my account but still refused to remove the account. 

Following their instructions, I mailed a letter disputing the account and also disputed it with the credit bureaus. Despite this, the account remains on my XXXX and XXXX credit reports. Additionally, when I call

ed Credit Collections, they mentioned another bill for over {$800.00} related to a lab, which I also paid. I provided my address to receive these bills but never received them. Credit Collections has ignored my letter of dispute and continues to verify the incorrect information
on my report. I believe their actions are a violation of the FCRA, as I was not given proper notice and they have not addressed my disputes appropriately. 

I would appreciate your assistance in resolving this matter. 

Thank you for your attention to this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is an incorrect information on 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 2024-07-24 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
MY NAME WAS REPORTED TO CHEXSYSYEMS 4 YEARS AGO NOW. I THOUGHT THE MATTER WAS RESOLVED THEN, BUT IT WASN'T. NEVER KNEW THAT I WAS IN CHEXSYSTEMS UNTIL RECENTLY. A TRANSACTION TOOK PLACE ON MY CARD. SOMEONE AT THE BANK WAS MADE AWARE. I CALLED CHEXSYSTEMS ON XXXX XXXX TO PLACE A FREEZE. OBTAIN MY REPORT. AND HAVE MATTERS RECTIFIED. I WENT TO THE PORTAL AND SUBMITTED MY DISPUTE TWICE. ONLY TO BE TOLD THAT IT NEVER WENT THOUGH. SAMETHING THAT HAPPENED PEOPLE 'S BANK IS NOW HAPPENING TO ME WTH CHEXSYSTEMS. A FORMAL DISPUTE WASN'T ACTUALLY PUT IN UP UNTIL XX/XX/XXXX. I SPOKE WITH THE DIRECTOR AT THE XXXX XXXX SEVERAL TIMES, THAT WAS IN XXXX. SO HOW IS IT A DISPUTE WASN'T PUT IN UNTIL XXXX? I NEED THIS MATTER RESOLVED IMMEDIATELY. THIS IS KEEPING ME FROM GETTING ACCESS TO ANY FINANCIAL FREEDOM. I NEED THIS NEGATIVE REMARK REMOVE/DELETED FROM MY CREDIT PROFILE. THANKS!

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 2024-07-24 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX victim 's letter to consumer reporting agency XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report is a result of trafficking AUTO LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my transunion credit report within four days, pursuant to section 605C of the fair credit reporting Act Please send me a notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures ; proof of identity State issued ID XXXX  Documentation A self-attestation letter that you are a victim signed or certified by a representative from a government entity, court, or authorize non governmental organization or human trafficking task force.

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 2024-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/year> this collection company RESURGENT/LVNV FUNDING added a collection to my credit report reducing my XXXX XXXX by XXXX points They are collecting for XXXX XXXXXXXX XXXX a utility company. 
I have never lived in Texas and have not allowed anyone to open an account in my name. 
This is fraud and I need to get the collection removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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:
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 explanation
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/24 I tried to make a purchase and my Chase debit card was declined. After checking my online account I saw that unauthorized charge was made on my account in the amount of XXXX by XXXX XXXX. I called the bank immediately to advise this was a fraudulent charge at that time the funds were put back into my account. On XX/XX/24 my account became overdrawn after checking why Chase decided to reverse charges from my fraudulent claim stating after review of transaction they found that my card was used with pin and they decided I owe the money. I advised numerous times that we did not make this purchase, the merchant in question does not exist I could not find any information online about this merchant to call and dispute directly with them. I asked Chase did they have any other details they could provide me about purchase, about the merchant to help me get my money back and each time they refused to provide any assistance. All they want to do is tell me I made the charge. Finally I spoke to a manager by the name of XXXX, during our conversation she told me that at the time of the so called purchase they attempted using sliding the card over 8 times before being successful. At no time has Chase send any alerts to warn me of this purchase, nor did they block all the attempts from a unknown merchant or even my card being slide over and over. While speaking with XXXX she decided to help me remove a lot of digital wallets that my card was stored in, stated she will try to push this claim along again to have it looked at again considering the information she saw where the card was being used or how many attempts was made during transaction. My problem is, at the time she found this information the money should have been put back into my account immediately, which I still have a negative balance as of today which will start to accrue fees, my money was stolen from me and Chase is holding me responsible each representative I spoke with kept accusing me of making purchase or i allowed someone to use my card etc. I would like for chase to give me my funds and remove any associated fees, I have never had any problems in the past like this, I have never used XXXX XXXX  and never had any issues being overdrawn while being a customer with Chase and that alone should speak volumes. At this point they are calling me a liar, after speaking with XXXX it's clear that the merchant doesn't exist, and the amount of attempts made on this transaction Chase failed to protect me and now they refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-07-24 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation