vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have XXXX problems with Experian. 

XXXX ) When I needed to briefly unfreeze my credit, the bureau did not allow me to do on the phone with an agent. The only way they allowed me to do so was to create an account on their website create the temporary freeze myself. 

XXXX ) Now that I have completed this temporary freeze, I no longer want an Experian account. However, the company will not allow me to delete my account. The website says to call ( XXXX ) XXXX and, " To cancel your membership, give us a call and we'll help take care of it. '' This does not occur. When calling this number, the only thing that happens is that a recorded message refers you back to the website. Thereby offering no way to cancel.

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 2024-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
This was medical debt from an XXXX XXXX hospital that had my wrong address and wrong phone number on file from 20 years ago and sent the collection efforts to the wrong place through a billing mistake. I resolved the debt with the original hospital which has recalled the debt from the collection agency. As the debt has been recalled it does not belong to this company and is not/was never late. They are attempting to negatively report on assets that they are not authorized to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to bring to your attention an important issue that I have discovered on my credit report. Upon reviewing my credit report dated XX/XX/year> I have identified the following information which I believe is incorrect : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX Cellular This inaccurate information could have significant negative implications on my credit score and financial standing. As such, I consider this matter to be of the utmost urgency.

I kindly request the prompt deletion of this inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information in my credit report that I consider to be inaccurate or incomplete, and have the right to request its immediate removal.

To facilitate the resolution of this issue, I have provided my contact details below. I am hopeful for a swift response, and would appreciate it if you could notify me once the correction has been made. If further discussion is needed, I am available at your earliest convenience. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Please note that if Credit Bureau fails to promptly correct the information as requested, I may consider taking further steps to ensure the accuracy of my credit report. I trust, however, that this matter will be resolved speedily and satisfactorily, without the need for such actions. 

Thank you for your attention to this matter and for your cooperation. 
Best regards, 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to bring to your attention an important issue that I have discovered on my credit report. Upon reviewing my credit report dated XX/XX/2024 I have identified the following information which I believe is incorrect : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX Cellular This inaccurate information could have significant negative implications on my credit score and financial standing. As such, I consider this matter to be of the utmost urgency. 
I kindly request the prompt deletion of this inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information in my credit report that I consider to be inaccurate or incomplete, and have the right to request its immediate removal. 

To facilitate the resolution of this issue, I have provided my contact details below. I am hopeful for a swift response, and would appreciate it if you could notify me once the correction has been made. If further discussion is needed, I am available at your earliest convenience. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Please note that if Credit Bureau fails to promptly correct the information as requested, I may consider taking further steps to ensure the accuracy of my credit report. I trust, however, that this matter will be resolved speedily and satisfactorily, without the need for such actions. 

Thank you for your attention to this matter and for your cooperation. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I requested the law firm identify if they are a credit agency or a law firm. The law firm has threated to sue me in court and garnish my wages which is a direct violation of the Fair credit reporting act.

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 2024-05-02 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: LA

Complaint narrative:
To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XXXX XXXX my bill did not reflect that payment from XXXX XXXX and had charges I did not make. I called PayPal and explained. At that time, they closed my existing account and started a new credit acct number due to the fraudulent charges. The balance from my old account was {$3400.00}. Which was moved over to my new PayPal account on my XXXX XXXX statement. On that new account, PayPal ( statement XX/XX/XXXX ) gave me a temporary credit for the {$2900.00} check I had sent by mail in XXXX XXXX while they investigated where it went. Which left me with an acct. balance of {$420.00}. 
When my XX/XX/XXXX, PayPal account statement came in the mail, under the section purchases and adjustments there was XXXX charge to XXXX XXXX  I had made ( {$84.00} ) and PayPal had charged {$2900.00} as a payment correction dated XX/XX/XXXX and an additional payment correction charge of {$2900.00} also on XX/XX/XXXX. Which brought my account balance to {$6200.00}. 
I have called PayPal many times to sort out the over charge of {$2900.00}. No one understands what I am saying. If you look at my previous balance on my original credit card from PayPal I only owed {$3400.00}. I only had XXXX charge from a purchase of {$84.00}. That does not add up to {$6200.00}. UNLESS you take into consideration, I was double ( XXXX ) charged for the original payment investigation credit of {$2900.00}. 
I made a complaint and was told I was wrong. On my next statement XX/XX/XXXX I was credited {$2900.00} and charged {$2900.00} on the same statement. Together they cancel each other out on that statement. That still leaves PayPal needing to remove the additional charge of the {$2900.00} from the XX/XX/XXXX statement.

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 2024-05-02 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 XXXX XXXX XXXX. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : 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 2024-05-02 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:
Recently, I did an investigation on my credit report which caused severe 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 non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I made a change in my homeowner renewal policy. The mortgage co paid the premium on the cancelled policy, and then again on the new policy. This resulted in a " double '' payment of insurance affecting my escrow balance. As a result, NewRez increased my monthly mortgage payments. I was instructed that upon receipt of the refund from the cancelled insurance policy, I was to contact NewRez, make the payment to my escrow account, and in return, they would do an " escrow analysis '' to reduce my monthly payments. I followed their directions and my payment of {$3700.00} cleared my bank on XX/XX/2024. They have failed to adjust my payment downward yet accepted my money. 

Since returning {$3700.00} back to my escrow, I have had to make XXXX monthly payments they are much higher than usual. I have called countless times for a status on the " escrow analysis, '' only to be told it takes XXXX days. That was months ago. Even after elevating my concerns to a supervisor last week, as of XXXX, they still had not completed the escrow analysis and had no explanation why it wasn't getting done. I was told yesterday to " hold off '' on making my XXXX payment until they can " try '' to get it expedited for me. Well, I want to pay my bill. I have excellent credit and should not be forced to wait. 

In short, NewRez has accepted my money and has failed to adjust my mortgage payments as promised. I am getting nowhere in contacting them and have made almost a dozen calls begging for assistance. If they are refusing to adjust my payments downward, they should refund my money immediately, with interest! 

Thanks in advance for any assistance you can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe 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 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXXEach I pay for my closed account, capital one report negative remark to credit bureas I never made the payment. 
XXXX.Each month I receive more than XXXX different minimum payment from capital one from the bank App, written letter the send to my address and credit reports. 
XXXX, on the XXXX credit bureas capital do not state exact minimum payment and actual payment I made. 
XXXX, capital one filled XXXX degoritory remarks on my credit file with only XXXX and XXXX because XXXX had disputed and resolved after the gave inaccurate reports to XXXX I paid the extra {$10.00} after I had paid {$70.00} as NY minimum payment from bureas is less than {$70.00}. 
XXXXcapital one received a claim disputes from banks for the XX/XX/XXXX till XX/XX/XXXX they reported to credit bureas that I never paid, capital one refused to respond to my banks filed claim since XX/XX/XXXX but wrote the attached mail to me threatening me to ask my banks to write with their letter heading and state that payment was reversed in error before the remove XXXX negative remarks on my account. The also adjusted the account from {$1600.00} as reported on XXXX and others screenshot attached to {$1900.00}. 
XXXX, I had paid over {$1500.00} to this credit limit of {$2000.00} which was reported to credit burea as ended at {$2000.00} and on capital one bank {$2000.00}. 
XXXX, XX/XX/XXXX capital one add a hidden charge the tagged past due of {$29.00} and it was brought forward every month and I asked the bank to explain it but they refused. 
XXXX, my interest rose from XXXX  % to XXXX % and capital one increases it every XXXXmonths. 
9.i got capital one mail at my mail box with minimum payment of {$120.00} for month of may and on the App minimum is {$190.00}, why on credit burea is {$57.00}. 
XXXX. Capital on XXXX occasions turned credit education thrice services because I engaged them for transparency. 
XXXX. Capital one did not report my first till XXXX payment to credit bureas till the first payment was made by credit education before the reported the first time in XXXX. 
Kindly find attached the proofs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I decided to accept a balance transfer offer sent by Chase. The balance transfer was successfully completed, I checked on my account and the amount was showed as pending and a message confirmed it was going to be completed in 3 business day. 

When I checked after 2 weeks, just to be sure the BT was proceed, I realized the transaction still pending and that my score when down for having to high balances. 

Chase did not send a letter, or call or any notification, even today still pending and no even a supervisor was able to explain what happened. 

Now with no notice, I am struggling paying the other credit card, still have my loc compromised with this balance transfer and Chase still say I need to give them 7 business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: FL

Complaint narrative:
yes under the 15usc 1681 the loan on my credit report has been ask to be investigated over over again they sent back just a plain credit report they didn't investigate properly neither did they remove it from my credit report i have sent them letters over over again and under the fair credit act i have the right to no how the situation was investigated and why is it still on my credit report neither of these things was done i will appreciate if they remove this negative items from my credit report its hindering 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 non-monetary relief
Consumer complaint received 2024-05-02 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:
yes under the 15usc 1681 the loan on my credit report has been ask to be investigated over over again they sent back just a plain credit report they didn't investigate properly neither did they remove it from my credit report i have sent them letters over over again and under the fair credit act i have the right to no how the situation was investigated and why is it still on my credit report neither of these things was done i will appreciate if they remove this negative items from my credit report its hindering my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: CT

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief