vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Transactions is excluded from a consumer report. 
15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. 

XXXX XXXX  and XXXX  after dealing with inaccurate information on my credit reports. This is defamation of my character and detrimental to my health. Transactions known as late payments are illegal and are to be excluded from a consumer credit report. This inaccurate late payment ( s ) violate the Fair Credit Reporting Act and I demand you to remove it from my credit report.

Your corporations have caused me to be judged and lose out on opportunities which created actual damages to my life. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account

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 2024-03-29 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: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the paperwork? Some of the accounts listed exhibit inaccuracies in their reporting.

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 2024-04-01 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: NJ

Complaint narrative:
I am both annoyed and frustrated that I have to come back to the CFPB AGAIN to file a formal complaint against Experian for their failure to comply with my request to opt out of sharing account information, as per my rights under 15 U.S.C. 6802 of the Fair Credit Reporting Act ( FCRA ). On XX/XX/2024, I submitted a request to Experian to cease sharing specific account information, attaching my driver 's license as requested for verification purposes. However, despite providing all necessary documentation, Experian has ignored my request, claiming an inability to verify my identity. 

The account details I requested to opt out of sharing are as follows : Account Name : XXXX Account Number : XXXX I have attached a copy of my driver 's license, which should serve as sufficient proof of my identity. Despite this, Experian has unreasonably delayed processing my request, which constitutes a violation of the FCRA. As a consumer, I have the right to control the sharing of my personal information, and Experian 's failure to honor my request undermines this fundamental right. 

This unreasonable delay in processing my opt-out request not only violates my rights under the FCRA but also exposes me to potential privacy risks associated with the unauthorized sharing of my account information. I expect Experian to promptly comply with my request and cease sharing the specified account information with any affiliates or third parties for marketing purposes. 

Furthermore if Experian ignores my request AGAIN I will not hesitate to file a lawsuit against them for their willful noncompliance and hold them accountable.

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 2024-03-29 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
I recently pulled my consumer report and there are accounts that I have no relationship with.

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 2024-03-29 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
M & t Bank is furnishing inaccurate information on my credit report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my way of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my personal my life. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX verified an inaccurate account. How do you verify a charge off account? 

As defined by the IRS even if you dont receive a form 1099-C, you must report that as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report! You are hearby put on notice that you are furnishing incorrect inaccurate information. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Dual Factor Authentication The problem I was experiencing was related to the Dual Factor Authentication procedure for both the website and mobile application. After switching phone carriers, I was unable to select my phone number as valid method to receive a one-time code to authenticate my online account. It was on my third call to Chase and escalating the conversation to where I was connected with a technical representative who was able to solve the issue within minutes. I was informed that the root cause of my issue was because I switched mobile phone carriers and the original authentication message was sent to the old phone provider and returned back as a bad phone number. Because of this my phone number was put on a blacklist and was not able to be used until they removed it from it and reconfigured it. 

I had contacted Chase Bank about this issue three separate times. The complaint is in regard to the frontline customer service troubleshooting procedure. On all three calls when speaking to the first associate who answered the phone, I was informed to disable my Dual Factor Authentication as a method of resolution. 

The main concern I have is in regard to Chase 's policy and procedure to inform consumers to remove the Dual Factor Authentication as a method of resolution as a first line of problem solving when they clearly have other resources to help solve their issue. The solution to remove the Dual Factor Authentication as a process/procedure creates online account take over vulnerability for all consumers who follow that direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilles with fairness, impartiality, and a RESPECT for the consumer 's RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system I never gave my expressed, written consent fle these consumer reporting agencies to report my information, which violated IS U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 Us. Code 1631c-2. These accounts are notrelatedtoany

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 2024-03-29 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: WI

Complaint narrative:
On XX/XX/2020 with a copy of my DL and SSN and mail sent with. I have been disputing this since than and have gotten no where with Experian. Yet it has been corrected with the other reporting agencies.There are names and addresses on my report that do not pertain to me including my birth name that I no longer use and have not used in over 7 years. Address that I have never lived at any address that I cant receive mail at or be contacted at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: NC

Complaint narrative:
This company has harassed my entire family. They have contacted my ex-husband who had XXXX connection to me. They have left my first and last name and the reason for calling on family and friends voicemails. They have contacted my landlord who has XXXX relation to me. They have left personal information of mine on friends voicemails after being repeatedly asked to receive proof of debt then continued to lie and say they only did it once. I have proof of more than 37 calls dating back to 2022 to friends and family and this has invaded my right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to XXXX XXXX XXXX Experian is supposed to ensure MAXIMUM ACCURACY This account violates these laws 15 USC 1681i 15 USC 1681s-2 15 1681i 5 15 USC 1681e ( b ) Delete Hard Inquiries and Soft Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
Loan closed in XXXX XXXX. XX/XX/XXXX a new " escrow charge '' appears on statement for {$520.00} from an " escrow analysis ''. Company representative explained that there were additional taxes and fees that were owed from XXXX and XXXX after a review. Does not seem fair that they can charge and additional fee without warning more than 6 months after escrow has closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
As a long term customer of XXXX XXXX? Comenity Bank, I received notice that they was lowering my credit line. I believe that they are discriminating against and violating consumer protection laws based on the fact that I have never been late and actually have paid off my account multiple times. I was originally given a XXXX credit limit when I opened the account and over the last 3 years it has been at the highest of XXXX. As I stated, I have never been late and have actually paid off the account balance. A consumer should be retaliated against simply because they " don't have mortgage history '', simply put I paid my 20 year mortgage off in XXXX  after a flawless pay history with my mortgage company. My credit worthiness was rebuilt and I continue to monitor it. I have filed numerous complaints against XXXX for incorrect information on my credit file. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: MD

Complaint narrative:
I'm not related with these credit managers, and I didn't start the inquiry. I'm mentioning that you get them out of my credit report immediately. These sales are not supported by me and are pointless to my monetary exercises. I demand their expansion from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: TX

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.

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 explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Fresh Holdings Inc
State: IL

Complaint narrative:
I have an account with the merchant : Credit Fresh. Their website is www.creditfresh.com and the credit line is issued by XXXX XXXX I have been making on time payments with the company since XX/XX/XXXX. In XXXX of XXXX, I called Credit Fresh to restructure my payment plan to something more affordable and they obliged. I made the payments on my new plan with XXXX not missing any payments. I am attaching documents from my bank to show this. Then the company decided to document my account as 30 days late in XX/XX/XXXX in spite of the fact that I made all payments on time according to my plan. I disputed this with the credit bureau XXXX XXXX. In the XXXX XXXX report dated XX/XX/XXXX the company Credit Fresh acknowledged my dispute and stated on my XXXX XXXX report : INVESTIGATION RESULTS-DISPUTED INFORMATION UPDATED and OTHER INFORMATION UPDATED : A change was made to the item ( s ) based on your dispute and other information has also changed. 

The above statement indicates that the company Credit Fresh acknowledged that my dispute was accurate. However, XXXX XXXX DID NOT change my credit report and they are still showing a 30 day late payment in XX/XX/XXXX. XXXX XXXX needs to delete the 30 day late payment that they are showing in XXXX of XXXX due to company acknowledging that my dispute is accurate. I am uploading all documents as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried numerous times to have this situation resolved with no resolutions.. REMOVE THIS NEGATIVE ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. WESTLAKE PM 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 2024-03-29 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: 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 : XXXXXXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXXXXXX Account Name : XXXXXXXX XXXX  Account NumberXXXX Account Name : XXXXXXXX XXXXXXXX  Account NumberXXXX Account Name : XXXXXXXX Account NumberXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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:
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 : XXXXXXXX XXXX Account NumberXXXXXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX 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