vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
The company is Affirm Loan # XXXX XXXX and XXXX for XXXX XXXX XXXX. 

They reported to credit bureau that these accounts were 30days past due. These accounts were NEVER 30 days past due. 

Account XXXX was paid in full in XX/XX/XXXX and last payment made on XX/XX/XXXX. 

Account XXXX next payment of {$83.00} is due on XX/XX/XXXX. XXXX payment had been made and credited. 

I have tried reasoning with this company for months regarding them applying my payments to the wrong accounts and then them calling me for an additional payment instead of correcting their mistake. Any help you can give would be appreciated greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-11-19 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: FL

Complaint narrative:
Equifax keeps reporting XXXX XXXX XXXX as open when in fact this is an account that is already closed as of XXXX XXXX. 
The balance was paid off and it is still reflecting on my XXXX XXXX as open and therefore my payment record is being affected by this. 
I submitted a dispute and Equifax still notes that. 
I already contacted XXXX and they are also looking into this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2024-11-19 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: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX  is repeatedly refusing to remove this account off of my credit record. It has been over 10 years old due to statute of Limitations in the state of NC which is 3 years from last activity on the account. I have disputed this several times in the past. It is showing a late payment and is hindering my credit and basic life of living when it comes to making purchases. I have disputed multiple times through Experian.

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 2024-11-19 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: Monarch Recovery Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX  be removed as a charge off on my account while XXXX XXXX should not be on my credit report at all as I owe them nothing nor do I know anything about this third party company now claiming this debt that they sold to back on XX/XX/year> named Monarch recovery management, whom I never enter into a consumer transaction with. The Fair Credit Reporting Act states that if a consumer notices inaccuracies or incompleteness of information they are to send a notice of a dispute to a consumer reporting agency notifying them of such inaccuracies or incompleteness. After going back-and-forth, yall keep stating that the accounts are accurate and verified your company has failed to conduct a proper investigation as there are still inaccuracies or incompleteness of the accounts that were in the initial notice of dispute which is a violation of 15 U.S.C. & 1681 ( i ) As I request again with proof of me, owing XXXX XXXX nothing the letter that they provided stating that they do not own this debt, which means I do not owe this debt to XXXX XXXX so again please remove this inaccuracy from my Report today. They have also violated my consumer rights per USC, 6802 please respect my rights under the FCRA Section 611 Part ( A ) ( 1 ) as this is the over the 3rd attempt to fix these inaccuracies in a timely manner per 15 usc 1602 in any consumer, credit transaction, the actual natural person is the one extending the credit and we know businesses arent natural persons. Im the consumer in which the debt is arising This company is violating my rights per 15 usc 1602p. Please update my information in a timely manner Per FCRA 611 Part ( A ) ( 1 ) 15 days or sooner 60 days is not acceptable again These are inaccurate on top of I am a victim of the XXXX XXXX breach, so everything that I have been requesting should have been updated through all three credit bureaus, and it was not so today I stand here stating I am challenging jurisdiction with evidence here of my letter from the homeland security, showing that I am not in your jurisdiction, on top of letting you know that securities fraud and inaccurate reporting is causing damages to me my natural living breathing self and my credit report. Hindering me from being able to purchase a car for me and my children as the winter time is approaching and they have to walk to the bus stop in the freezing cold. They have missed half of their football and cheer season due to me, not being able to get them there because I do not have a car and Im being denied loans for a car, Due to these inaccurate reporting on my credit report and I am unable to purchase us a new home as well with these inaccuracies. i am also requesting that these items be removed within 15 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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:
Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXXXXXX  SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are the same accounts on my credit report that was removed, how can they report on my credit same account two different creditors. This is an improper use of my credit and should be removed right away. 


According to section 15 U.S. Code 1692g ( Validation of debts ). 

1. I want all creditors to send me a detailed list of the history of payments made by me on this account. 
2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. 
3. Im asking to see has there been any insurance claim filed on this debt. 
4. I want proof that you have the chain of title to collect on this debt. 

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2024-11-19 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: CA

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC.
State: VA

Complaint narrative:
I recently received a letter from Pinnacle a debt collection agency listing their address as XXXX XXXX XXXX, XXXX, CA XXXX. Their phone number is listed as ( XXXX ) XXXX. 

They asserted that I owed a delinquent maintenance obligation to XXXX XXXX XXXX. At first, this name did not ring a bell. After further research, I discovered that my late father, who died in XX/XX/XXXX, who has the same name as me ( XXXX XXXX XXXX XXXX had purchased a one-week timeshare at XXXX XXXX XXXX XXXX XXXX , SC. After he passed away, we set up a trust to manage the affairs of my mother, who moved to Louisiana in XXXX. The trustee attorney, XXXX XXXX of XXXX, Louisiana, handled her legal affairs. XXXX XXXX was not explicitly called out in my fathers probate documents. During the time he owned it, neither he nor my mother ever used it. She did not know that he had purchased a timeshare. 

However, we started receiving notices on whether we wanted to rent out the timeshare, which we responded to affirmatively. However, even after the rental, we received notices that my father owed a maintenance fee of {$100.00} each year, which the trust paid. I was never associated with the property or had it transferred to my name. 

After my mother passed away in XXXX, I asked XXXX XXXX to dispose of the timeshare agreement as part of her probate process. He was not convinced that it had any force, given that it was in my fathers name, and he was deceased. We received no other letters from XXXX XXXX after her probate. XXXX XXXX passed away in XXXX. 

I thought about contacting Pinnacle directly. However, I thought that this might be a scam. I receive many crank phone calls from numbers where I am urged to contact them to Keep my electricity from being turned off, take advantage of a loan offer, or a fake job offer. Although none of these entreaties apply, there is often an element that comes across as truthful. 

In this case, if XXXX had been trying to collect for this long against me, it should have appeared in my credit reports. I ran all three of the major credit agency reports, and nothing came up. When I checked the XXXX XXXX website, it indicated that the facility was closed. 

I will assume that this letter represents a more sophisticated form of letter SCAM and ignore it. However, I thought you might be interested. The scam phone calls on other topics ( often the same message from continuously changing phone numbers ) and emails are increasingly numerous. 

A copy of the letter is attached.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NJ

Complaint narrative:
I have been disputing these fraudulent and inaccurate accounts. I have also included an FTC in my previous dispute, which I am also including in this dispute. Additionally, I am attaching my NOTARIZED identity theft affidavit to prevent your company from claiming that it has not been received.

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 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phillips & Cohen Associates, Ltd.
State: PA

Complaint narrative:
I am requesting that yall provide a copy of the original purchase agreement the agreement must be with the original creditor not a third-party and signed by all parties involved. I am requesting this because XXXX  XXXX as well as this company here have both contacted me on this matter on top of I never entered into a consumer transaction with these people, they are violating my privacy rights per the privacy act of 1974. No company agreement overrides my federal protected rights. & the billing error per 15 U.S.C 1666. securities fraud I dont owe this company anything I dont know who or what this company represents and I never signed into a consumer transaction with this company and they have not shown me how I owe them this money they are requesting from me. I would also like to let you know that this billing dispute is for past current and future certificates of indebtedness. I am also not in their jurisdiction, which I am attaching a letter from the homeland security, which verifies that. I stand here stating I am challenging jurisdiction with evidence here a letter from the homeland security, showing that I am not in your jurisdiction, on top of letting you know that securities fraud is causing damages to me my natural living breathing self

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
I opened an account with XXXX Onjuno XXXX XX/XX/XXXX, the account was closed by the company in XX/XX/XXXX without any specific reason. There were funds in my crypto account and my checking account at the time of closure. I was told that it would take up to XXXX  days for the check to be issued to my address. I have reached out more than XXXX times to this business and I keep receiving a blanket response as to why its XXXX and they still haven't issued a check to me. There must be some type of federal consumer regulation that is being violated here. To date I still don't have my money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue 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 non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
Hello, On XX/XX/XXXX I made a purchase on XXXX, I purchased an XXXX XXXX ( mining equipment ). I paid for it with my Bank of America REWARDS VISA SIGNATURE credit card that ends in XXXX, the amount i paid with my credit card was {$6400.00}. 

I was sent an item that didnt match what i purchased, item not as described. I raised the issue with XXXX and they said if i sent the item back they would refund me my money. I sent it back on my expense, they did not refund me. 

I went to Bank of America early XXXX to dispute the purchase. I sent them a letter, pictures of the item i received ( not the same as what I ordered ), sent them the tracking code of the return shipment to XXXX Bank of America has not helped me so far, actually a few days ago they put the charge back on my account. 

Bank of America claim number is : 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 2024-11-19 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: FL

Complaint narrative:
Equifax continues to report a collection account from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX, that I don't owe, and that it should not be in my credit report at all. 

XXXX XXXXXXXX XXXX stated that they have asked the CRA to delete the account but continues to show. 

Equifax does not allow me to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have called multiple times to have them lower my interest rate and they will not.

Company response to consumer: Closed with monetary relief