vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against XXXX XXXX  for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX. Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX  about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a couple of complaints through CFPB about Equifax because incorrect credit record. They retaliated me by lowering my credit score significantly to punish me. Please update my credit score by using correct and updated data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Proof of documents signed by me with my valid signature.

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 2024-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Alorica Inc.
State: WA

Complaint narrative:
I had a credit card account with XXXX. 

XXXX has gone bankrupt and closed. They sold all their debt to SST - Systems & Services Technologies. They closed credit lines and my account simply should have shifted into repayment only. 

My interest rate when the debt was sold was 13.99 %. It is a fixed rate. 

SST is in violation of servicing the debt they purchased, as they increased the interest rate to 19 %. They are in violation of the terms of the account and are gouging assuming they will get away with it and nobody will report them. 

They even say in their " welcome '' letter that NO TERMS OF YOUR AGREEMENT WITH XXXX HAVE CHANGED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against XXXX XXXX  for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX. Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX  about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
Our home was lost to a flood XXXX XXXX, we were in disaster foreberance, and according to cares act could not be taken out, our Mortgage account was to have a reporting freeze. However on XXXX and XXXX of 2024 they reported delinquent. We submitted for a reversal. With the documents we had stating do not report. They agreed to the reversal on XX/XX/year>, to date no agency had received the letter that they said they sent, we have filed one credit dispute to repair experience and now are working another with XXXX, XXXX states they never received the letter from Penny Mac. I called Penny Mac on XX/XX/XXXX to confirm they said sent on XX/XX/XXXX. I have lengthy emails and documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Remitly, Inc.
State: KY

Complaint narrative:
In reference to CFPB complaint ID XXXX, I called Remitly 's customer support phone as indicated in Remitly 's Response on XX/XX/year> regarding resolution proposed by Remitly via The CFPB. 

Remitly customer support seem to have XXXX idea about this reponse and suggested I emailed XXXX. Who also had XXXX idea about this matter and in turn referred me back to customer support via chat or phone again to repeat the whole cycle over again.

Which is strange because whom ever handled this case did not put a note on my account to make it easier for Remitly customer support to understand what was going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

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 2024-10-14 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that I was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. Thank you for your understanding andpromptaction.

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 2024-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase closed my account on XX/XX/year>, without informing me. When reaching out to understand why the account was closed, I was informed that there is no reason and they will not be able to tell me why. One person stated that they never tell anyone so you may never know why your account was closed. I currently have funds sitting in my account and was informed that I wont receive my money until XXXXXXXX XXXX XXXX XXXX. I received a letter on the mobile site on XX/XX/year> telling me to contact Chase in order to give information they may need in order to stop the close on my account, the letter was false information because they already made the decision to close the account. If any information was needed the letter should of been sent out before the closing of the account so I can inform them that everything in my account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX I made a payment of {$400.00} because I was informed by Chase that I owed on my credit card in excess of {$400.00}, but my actual spending average was {$270.00}. I only spent XXXX for the month of XXXX. In XXXX I made a payment of {$300.00} when my total spending was XXXX. The amount I charged on my credit card is less than what the company says I owe. Chase is charging me more than I owe! Interest charges should be made evident for the month, not hidden!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was looking over my report and I noticed several inaccuracies pertaining to this account. This account is hurting my ability to obtain credit. Its my understanding that the credit reporting agency will investigate this account for me to ensure accuracy. I would like for you to note that all accounts that are referenced are EXACTLY as it appears on my credit report that your company has reported as being accurate.

Please correct or delete these accounts immediately.

I have attached My DL, SSN, and Proof of residency for Verification of my identification. 

Company Name & Account # XXXX XXXX XXXX XXXXXXXX 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 2024-10-12 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: FL

Complaint narrative:
Remove the account I am not asking anything I am demanding that it be removed immediately. Complaint number 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 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX / TRANSUNION / XXXX HAVE REPORTED OVER XXXX INQUIRIES ON MY CREDIT REPORT WITHOUT MY PERMISSION WHICH IS A VIOLATION OF MY PRIVACY RIGHTS PER 1.THE PRIVACY ACT OF 1974 2.15 USC1681 ( B ) PERMISSABLE PURPOSES THEY WERE ALSO SUED FOR THIS BY THE FTC IN XXXX XXXX XXXX FOR THE SAME ACTIONS. 

XXXX, doing business as XXXX XXXX XXXX, will pay {$300000.00} to settle Federal Trade Commission charges that ads for its free credit report offer failed to disclose adequately that consumers who signed up would be automatically enrolled in a credit- monitoring program and charged {$79.00}. The FTC alleged that the failure to clearly disclose the enrollment and charges violated a previous settlement. 

In XX/XX/XXXX, XXXX, paid {$950000.00} to settle FTC charges that it deceptively marketed free credit reports. According to the FTC, XXXX offered consumers a free copy of their credit report and added that they would provide 30 FREE days of Credit Check Monitoring. The FTC alleged that XXXX advertising and Web sites failed to explain adequately that after the free trial period for the credit-monitoring service expired, consumers automatically would be charged a {$79.00} annual membership, unless they notified the defendant within 30 days to cancel the service. XXXX billed the credit cards that it had told consumers were required only to establish your account and, in some cases, automatically renewed memberships by re-billing consumers without notice. In addition to the {$950000.00} payment, the settlement required XXXX to pay redress to deceived consumers, barred deceptive and misleading claims about free offers, and required clear and conspicuous disclosure of terms and conditions of any freeoffer.

The FTC alleges that XXXX ran ads after the settlement that violated the disclosure requirement. The settlement requires XXXX to give up {$300000.00} in ill-gotten gains, and bars it from misrepresenting any affiliation with the annual credit report available to consumers under the Fair Credit Reporting Act.

The stipulated judgment and order named XXXX XXXX XXXXXXXX, doing business as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 

The Commission vote to accept the supplemental stipulated judgment and order was 5-0. It was filed in United States District Court for the XXXX XXXX XXXX XXXX  in 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 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX / XXXX / EQUIFAX HAVE REPORTED OVER XXXX INQUIRIES ON MY CREDIT REPORT WITHOUT MY PERMISSION WHICH IS A VIOLATION OF MY PRIVACY RIGHTS PER 1.THE PRIVACY ACT OF 1974 2.15 USC1681 ( B ) PERMISSABLE PURPOSES THEY WERE ALSO SUED FOR THIS BY THE FTC IN XXXX XXXX XXXX FOR THE SAME ACTIONS. 

XXXX, doing business as XXXX XXXX XXXX, will pay {$300000.00} to settle Federal Trade Commission charges that ads for its free credit report offer failed to disclose adequately that consumers who signed up would be automatically enrolled in a credit- monitoring program and charged {$79.00}. The FTC alleged that the failure to clearly disclose the enrollment and charges violated a previous settlement. 

In XX/XX/XXXX, XXXX, paid {$950000.00} to settle FTC charges that it deceptively marketed free credit reports. According to the FTC, XXXX offered consumers a free copy of their credit report and added that they would provide 30 FREE days of Credit Check Monitoring. The FTC alleged that XXXX advertising and Web sites failed to explain adequately that after the free trial period for the credit-monitoring service expired, consumers automatically would be charged a {$79.00} annual membership, unless they notified the defendant within 30 days to cancel the service. XXXX billed the credit cards that it had told consumers were required only to establish your account and, in some cases, automatically renewed memberships by re-billing consumers without notice. In addition to the {$950000.00} payment, the settlement required XXXX to pay redress to deceived consumers, barred deceptive and misleading claims about free offers, and required clear and conspicuous disclosure of terms and conditions of any freeoffer. 

The FTC alleges that XXXX ran ads after the settlement that violated the disclosure requirement. The settlement requires XXXX to give up {$300000.00} in ill-gotten gains, and bars it from misrepresenting any affiliation with the annual credit report available to consumers under the Fair Credit Reporting Act. 

The stipulated judgment and order named XXXX XXXX XXXX, doing business as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 

The Commission vote to accept the supplemental stipulated judgment and order was 5-0. It was filed in United States District Court for the XXXX XXXX XXXX XXXX in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Bridgecrest Acceptance Corporation
State: OR

Complaint narrative:
I get calls from them every day, even after a payment plan is set. So I decided to save the three months up before paying. I got an email in XXXX XXXXXX/XX/XXXX to get current. I called on the XXXX with was the XXXX. They told me my account was charged off on XX/XX/XXXX. I asked how when I got an email days after that apparent date to become current. They proceeded to tell me that is all the information they have. I asked if I could send payments, until caught up, they said it did not matter. I asked again where to send the payments they did not provide that info. This is also after removing my access to pay online and access payment history for the loan. They did not send any written notice to let me know the account was charged off the entirety of this situation. I also asked if I could get info so I can make arrangements to surrender the car. I was told the specialist would call me for that. I never received a call. They instead towed my car, I finally got the info on where the car was. So I called to see what I could pay or settle for to the tha car. The balance had then rose XXXX XXXX, I asked how. They rep said they didnt know but the amount was only good until end of business day. I asked what it would be tomorrow, they said they didnt not know. I asked was there a percentage rate the amount was being charged against. The rep said they did not have that info. Ive continuously have asked for info or access to remedy this situation. The company has done nothing but withhold information and deny payment or remedy, so they could over charge me. I believe they are trying to over charge me so I can owe them more than the car is worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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:
" This is not my account. I have no knowledge of this account. 15 USC 1681b I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists This are the listed accounts 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 non-monetary relief