vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 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: 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 XXXX has violated my rights. Or a list of inquiries : 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 2024-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Debt had been paid in full per agreement. I would like assistance with the debt collector updating credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-26 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] Bank of America Customer Service Department XXXX XXXX XXXX XXXX, FL XXXX Subject : Dispute of Unauthorized Charges on Account Dear Sir/Madam, I am writing to dispute several unauthorized charges on my Bank of America account . The transactions in question are fraudulent and were not made by me. I request an immediate investigation and reversal of these charges. But Bank of America did not comply stating my card chip, signature, or pin was used, which was a lie. I talked to a agent of the bank and they said a card number was used and not my card Please investigate these charges and provide a resolution

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 monetary relief
Consumer complaint received 2024-03-26 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: Advanced Resolution Services Inc.
State: NY

Complaint narrative:
This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. XXXX and its associated companies like XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are 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 non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account was closed at Chase around XX/XX/2023. The bank never sent the cashier check with the balance on my account. Im not XXXX XXXX  so I cant go to a branch to request my money. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: CA

Complaint narrative:
I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.

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 2024-03-26 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX There is several inaccuracies listed on my credit report from this company I have requested the account to be fully removed from my credit report under the fair credit act. All information should be reported 100 % accurate. Any inaccuracies found on a credit report is a violation to the law. 
I have already filed a complaint and this company did nothing but update more Inaccurate information. See all attachments. 

Thank you, 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 2024-03-26 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: CA

Complaint narrative:
Ive reached out in writing requesting debt validation from XXXX, XXXX and Transunion. 

All agencies are posting inaccurate information on my credit reports. 

XXXX XXXX XXXX. has two accounts on my report. I have never done business nor am I in any contract with this company. 

XXXX isnt my account. They arent my carrier.

In addition I have 12 inquiries on my reports, and Ive not given any company or agency permission to pull my credit. 

Ive requested that the agencies comply to the FCRA and remove this derogatory information and hard inquiries 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 non-monetary relief
Consumer complaint received 2024-03-26 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: OH

Complaint narrative:
these accounts fraudulent remove at once I also contacted the bankruptcy court XXXX and XXXX XXXX they both told me they didn't report any bankruptcies to equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Im being charged exorbitant Cash advance and Purchase fees monthly, although Im not making any purchases or getting any cash advances by Chase Freedom Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
I have been trying to get out of my mortgage modification trial. For over a year and a half through first colony mortgage. I have done it three times with them all because of technicalities that I had to redo it. I finally completed it in XX/XX/year>. I had even talked to their underwriter about it being complete and they were finalizing the paper work to resume payments. In the month of XX/XX/year>, they transferred my loan to a different servicer, PHH, and when I talked to them about resuming my mortgage payments they said that my loan was in default. I had explained to them that I had finished my Mortgage modification and that I should be able to resume my normal mortgage payments, PHH said they didnt have any paperwork on thatband didnt see anything from XXXX XXXX XXXX regarding my mortgage modification. They did say they could see in their paperwork that I completed the payments through the trial modification but they did not receive any final paperwork from XXXX XXXX XXXX  about it being completed. 

So PHH said I need to either pay the default, balance and full or restart the trial modification application again. I have tried to contact PHH multiple times and only get a voicemail. I have only been able to talk to on the phone one time and did not get nearly the information that I needed. This has been a nightmare and all I have been trying to do is resume my mortgage payments for the last year and a half and, these services are coming up with every roadblock they can think of and not helping me whatsoever. I have not received any paper work or anything from PHH on this matter. I have also requested a way to make payments on my mortgage in the mean time so things don't fall behind further and I was told I am locked out of the system from making any payments towards my loan. 

This has been a nightmare of a 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 explanation
Consumer complaint received 2024-03-26 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:
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 2024-03-26 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:
Around XX/XX/XXXX, XXXX encountered a customer service outage, leaving cardholders unable to manage their accounts or make payments. My account was affected and I was unable to make my payment on XXXX XXXX and thereafter. XXXX Bank later stated on XX/XX/XXXX, that their system update was taking longer than expected, causing disruptions. Despite this, they failed to inform customers beforehand. On XX/XX/XXXX, I received an email regarding a billing statement update, acknowledging the website 's temporary downtime. The email provided alternative payment options. Despite attempts to contact customer service on XX/XX/XXXX and XX/XX/XXXX, no assistance was available, leading to late payments and credit score impact. Although XXXX claimed access restoration on XX/XX/XXXX, ongoing system outages persisted, affecting account access and payment capabilities. On XX/XX/XXXX, XXXX admitted to continued disruptions, contradicting their earlier statement. 

On XX/XX/XXXX, XXXX acknowledged on XXXX that intermittent outages were still affecting its services, without extending late fee waivers or providing further accommodations for affected customers. Despite instructions to use XXXX and telephone channels, I couldn't pay my bill during the outage, resulting in late fees. 
Despite assurances from XXXX Bank that the outage would be brief, I couldn't access my account for weeks, missing the credit card payment deadline. XXXX attempted to ease concerns by waiving late fees for payments due between XX/XX/XXXX and XX/XX/XXXX, and assured that late payments wouldn't impact credit scores, urging the use of XXXX online. 

It wasn't until XX/XX/XXXX, that I regained account access, allowing me to make an immediate payment. However, on XX/XX/XXXX, XXXX XXXX notified me of past due status reported to all three credit bureaus. Despite disputing this, XXXX insisted on the accuracy of their reporting. 

On XX/XX/XXXX, I sought a goodwill adjustment from XXXX, but they failed to acknowledge their error. Instead, on XX/XX/XXXX, they reiterated their obligation to report accurate information under the FCRA. 

Comenity 's actions violate the Fair Debt Collection Practices Act and the Federal Trade Commission Act by providing misleading information and causing substantial harm to my credit report. Their failure to ensure operational payment sites and customer service lines led to significant damage to my credit history. I request an investigation and the correction of payment histories across all three credit bureaus for XX/XX/XXXX, supported by attached evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Around XX/XX/XXXX, XXXX encountered a customer service outage, leaving cardholders unable to manage their accounts or make payments. My account was affected and I was unable to make my payment on XXXX XXXX and thereafter. XXXX Bank later stated on XX/XX/XXXX, that their system update was taking longer than expected, causing disruptions. Despite this, they failed to inform customers beforehand. On XX/XX/XXXX, I received an email regarding a billing statement update, acknowledging the website 's temporary downtime. The email provided alternative payment options. Despite attempts to contact customer service on XX/XX/XXXX and XX/XX/XXXX, no assistance was available, leading to late payments and credit score impact. Although XXXX claimed access restoration on XX/XX/XXXX, ongoing system outages persisted, affecting account access and payment capabilities. On XX/XX/XXXX, XXXX admitted to continued disruptions, contradicting their earlier statement. 

On XX/XX/XXXX, XXXX acknowledged on XXXX that intermittent outages were still affecting its services, without extending late fee waivers or providing further accommodations for affected customers. Despite instructions to use XXXX and telephone channels, I couldn't pay my bill during the outage, resulting in late fees. 
Despite assurances from XXXX Bank that the outage would be brief, I couldn't access my account for weeks, missing the credit card payment deadline. XXXX attempted to ease concerns by waiving late fees for payments due between XX/XX/XXXX and XX/XX/XXXX, and assured that late payments wouldn't impact credit scores, urging the use of XXXX online. 

It wasn't until XX/XX/XXXX, that I regained account access, allowing me to make an immediate payment. However, on XX/XX/XXXX, XXXX XXXX notified me of past due status reported to all three credit bureaus. Despite disputing this, XXXX insisted on the accuracy of their reporting. 

On XX/XX/XXXX, I sought a goodwill adjustment from XXXX, but they failed to acknowledge their error. Instead, on XX/XX/XXXX, they reiterated their obligation to report accurate information under the FCRA. 

XXXX XXXX actions violate the Fair Debt Collection Practices Act and the Federal Trade Commission Act by providing misleading information and causing substantial harm to my credit report. Their failure to ensure operational payment sites and customer service lines led to significant damage to my credit history. I request an investigation and the correction of payment histories across all three credit bureaus for XX/XX/XXXX, supported by attached evidence.

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 2024-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The collection agency, XXXX XXXX violated my right as a consumer by failing to acknowledge my right to dispute data they placed in my credit file when I believe that the data do not belong to me. XXXX XXXX alleged that owe {$490.00} and {$690.00} to different creditors that I do not know. Rather than correcting the record upon a credible dispute by the consumer, the agency decided to disregard the dispute by not marking those challenged entries as disputed in my credit file. 
XXXX XXXX violates the Fair Credit Reporting Act. FCRA Section 623 ( a ) ( 3 ) 623. It is the responsibility of furnishers of information to consumer reporting agencies [ 15U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. Additionally, according to FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information that is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
Moreover, none of the three major credit bureaus XXXX XXXX, XXXX, and XXXX, helped the matter when I forwarded the dispute to them. Instead, the credit bureaus referred me back to the collection, XXXX XXXX. To create more complications, XXXX XXXX operates from XXXX, SC. transferred the case to another collection agency, XXXX XXXX XXXX in XXXX, MI.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Paid credit card balance in 2021, should have been removed from credit report as creditor agreed to. This is affecting my life and 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 explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief