vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/year> I attempted to request a copy of my free annual credit report from Equifax and received error code NH. 

On XX/XX/year> I submitted a complaint to the CFPB due to submitting requested documents to Equifax by mail on XX/XX/year> and still could not receive a copy of my free annual credit report. 

On XX/XX/year> the company responded to my complaint stating that they had resolved the issue and that I could request my free annual credit report with no issue. 

On XX/XX/year> I attempted to request my free annual credit report from Equifax using the website annualcreditreport.com and still received an error message " NH '' and to contact customer service for assistance. I contacted customer service submitted my identification for verification and still was not given my free annual credit report. 

On XX/XX/year> I attempted to request my free annual credit report from Equifax and again was denied my free annual credit report. The annual website referred me to Equifax 's website and I again received error code : NH. I contacted the customer service phone number and spoke with an agent whom informed me that my file was correct and active but in order to receive my free annual credit report I would need to submit my social security card and driver 's license to them by mail and once they receive the documents it would take 5 business days to process and then they would send me a letter notifying me that I may request my annual credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have made several disputes with all XXXX credit bureaus asking for proof that I owe the debt. I have provided all XXXX credit bureaus the documentation from gap insurance that confirms the vehicle was paid off due to vehicle being declared a total loss because of an accident on XX/XX/XXXX and that no balance remains however credit bureaus continue to complete my disputes without removing collection account from my report even though I sent proof debt was paid. The collection company has sent to credit bureaus wrong information stating the vehicle was not paid and that vehicle is in repossession status and the account has been charged off and sold to XXXX party debt collector. This is currently preventing me from obtaining a new loan for a vehicle that I desperately need for work. Because the credit bureaus are not honoring the proof I have provided that the debt has been paid off and the account should have never been place on my consumer report. I have also sent collection agency gap settlement letter proving debt is paid and still the collections agency has not removed account from collections. As of XX/XX/XXXX I have spent extra money to hire an attorney to help in this matter. In the meantime I am submitting this complaint against all XXXX bureaus and XXXX XXXX XXXX for wrongly placing a collections account ( XXXX ) I the amount of {$15000.00} on my consumer report even after I made all parties aware consumer report is wrong and debt is paid and should not be in collections or on my report. Please help as my consumer rights for fair credit have been violated. Attached is the gap settlement letter I have provided to all parties. Also attaching letter my attorney sent collections agency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: AL

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and request the immediate blocking and deletion of the following fraudulent accounts from my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to have these accounts blocked and permanently deleted. 
Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XX/XX/XXXX {$140.00} XXXX XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: CO

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: IL

Complaint narrative:
I am writing to formally dispute several unauthorized accounts and inquiries that have recently appeared on my credit report. I am a victim of a data breach, and these accounts and inquiries were added to my credit file without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following fraudulent items from my credit report : Fraudulent Accounts : 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 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 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 2024-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase deny me wrongfully for an auto loan. Ive been with Chase for years ran hundreds and hundreds and hundreds of thousands through their accounts my business account made over XXXX in the last XXXX years Chase have never offered me a credit card or auto loan or any sort. Chase is my main bank thats who I run all my business account through majority of my money come through. Ive asked for several auto loans through Chase and always was denied. Not sure why not sure why they dont value their customers. Not sure if they even care about their customers and I have hundreds and hundreds of thousands coming through there Banks and they use our money to lend to other people but I cant get a auto loan through them and Ive been loyal to them for years. Im just at the point that everybody needs to be held accountable for their actions Chase you need to do better all these years that I have bank accounts with you guys. I had thousands of dollars running through it. Theres no way I should be denied any type of credit if you can clearly see that I have money coming in and I can afford a auto loan and Im pretty sure you see my credit report shows all of the auto loans Ive had in the past and paid off. I juggle multiple vehicles at a time paying call and never be late. I just dont understand like, what is the problem? Are you guys discriminating against me but you want my loyalty to you? I just think its so crazy that they never even offer me anything knowing that they saw money come through my banks and I have two business accounts with them now when I used to have three with them and I have personal bank accounts I think Im going to close my bank account with them and try using some other sort of banks because this is not gon na work for me. What do I need to be with you guys for what benefits do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I got on my credit report and it said that my s.s number was on there and I am getting all kinds of charges on different things and I am confused myself. I need this fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I submitted a complaint more than XXXX  days ago and I havent received any information from either credit reporting bureau or agency. I submitted the complaints on XX/XX/2024. 

The complaints were made with the CFPB. The complaint numbers are : XXXX XXXX XXXX The negative accounts in the complaints should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I submitted a complaint more than XXXX  days ago and I havent received any information from either credit reporting bureau or agency. I submitted the complaints on XX/XX/year>. 

The complaints were made with the CFPB. The complaint numbers are : XXXX XXXX XXXX The negative accounts in the complaints should be deleted 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 2024-11-16 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: TX

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my financial identity. 
Fraudulent Accounts XXXX XXXX XXXX XXXX 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 2024-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Newrez mortgage service took over my loan about 1 year ago. They stated that I did not have home insurance and that they would have to put me with lender placed insurance if I did not provide proof of insurance. I had insurance and provided proof through their web portal and by email multiple times. Newrez added lender placed insurance anyway. I then had my insurance company make contact and send proof as well. Lender placed insurance was removed but the escrow account remains and my mortgage bill is approximately {$300.00} more each month than it should be. I can no longer afford that extra amount.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a U.S. citizen, I have the right under federal and State of California law to use XXXX to obtain a free version of my XXXX, Experian, and XXXX credit reports. Experian is engaged in blatantly criminal misconduct, see recently closed CFPB XXXX XXXX XXXXXXXX and XXXX where they took no action to remediate my ongoing issues. Indeed, within both prior complaints Experian materially misrepresented my complaint in their canned response : You indicate that inaccurate items are in your credit report. You are requesting to have the disputed items corrected or deleted from your report. This is categorically incorrect. Experian must remediate my account privileges on XXXX to enable my free weekly access to my Experian consumer credit report. No other action is required, and no other outcome will be accepted. I will continue to filing new CFPB tickets until this is resolved or Experian is permanently barred from participating in the consumer credit report industry for reasons of gross misconduct.

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 2024-11-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting incorrect information on my credit report I have disputed these items and provided a FTC report and they said they would investigate it but i have not heard anything it's been months. The following accounts are a result of fraud on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date reported XX/XX/year> Balance owed {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX owed {$6700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp.
State: IL

Complaint narrative:
I remitted money to XXXX through Sigue Corp in XXXX this year. After Sigue Corp stopped its business, I have not received my refund check! Now it has been XXXX  months, and Sigue Corp has not responded to me! My money has not been returned to me!

My child needs to pay for college tuition

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NC

Complaint narrative:
I AM A VICTIM OF HUMAN TRAFFICKING PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: MS

Complaint narrative:
I have made XXXX attempts to verify my identification due to fraudulent activity on my report as well as the misuse of my information by an unknown source. I have sent proof of identity with no response or being asked repeatedly for the same information which I feel is a stall tactic at this point and its hindering me from being able to properly dispute per 15usc 1681 ( b ).

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 2024-11-16 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: MS

Complaint narrative:
I have made 3 attempts to verify my identification due to fraudulent activity on my report as well as the misuse of my information by an unknown source. I have sent proof of identity with no response or being asked repeatedly for the same information which I feel is a stall tactic at this point and its hindering me from being able to properly dispute per 15usc 1681 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: NC

Complaint narrative:
I am writing to formally dispute several unauthorized accounts and inquiries that have appeared on my credit report. I am a victim of a data breach, and these accounts and inquiries were added to my credit file without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation