vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
I owed a debt to XXXX XXXX XXXX and settled the amount on XX/XX/year> and the representative for them has refused to provide proof of payment and also has refused to approach the client to retrieve the paperwork. I am a XXXX veteran at risk of homelessness because of this refusal to correct my report. I can not apply for a home loan anywhere. I upheld my expectation, they need to uphold theirs. Requests by email are met with refusal or saying that " We can't send you anything until the client signs and returns the release. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: MI

Complaint narrative:
XXXX and/or Experian continue to report derogatory status for account included in Chapter13 filing XX/XX/XXXX with the discharge date in XX/XX/XXXX as the most recent derogatory and/or late payment negatively impacting my score and account history. 

I have filed the following disputes with Experian : XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also contacted XXXX multiple times but requested investigation XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( DENIED ), and XX/XX/XXXX. 

XXXX Bankruptcy XXXX confirmed the account would have been reported to XXXX, XXXX, and Experian with the same information as it was included in Chapter13 Bankruptcy, Closed with a {$0.00} balance, and no additional updates beyond XXXX  Although it may be based on the disputes, XXXX XXXX XXXX has reported the discharge of XX/XX/XXXX as the Status Update ( Derogatory and/or Late Payment )

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 2024-09-11 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: AL

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of late payments associated with my XXXX XXXX XXXX XXXX account for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This information is negatively impacting my credit report and, consequently, my means of living. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, I assert my rights as a consumer to dispute any inaccurate or incomplete information on my credit report.

Additionally, I would like to draw your attention to the provisions under 15 U.S.C. 6802, which mandates the proper handling and safeguarding of consumer information. It is imperative that your institution adheres to these regulations to maintain the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: PA

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-09-11 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: DE

Complaint narrative:
I am writing to address a serious concern regarding your failure to maintain fair and accurate credit reporting as required under the Fair Credit Reporting Act ( FCRA ) XXXX. Despite my repeated efforts over the past several months to have disputed items removed from my credit report, you have persistently affirmed their accuracy without providing any evidence of the verification methods used. This lack of transparency and adherence to FCRA guidelines is deeply frustrating.

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 2024-09-11 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report. They are hurting my ability to obtain 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 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I've had the Capital One XXXX card for a year and a half now, and it's been my go-to for daily purchases. However, I've been stuck with the initial {$500.00} credit limit. Ive had to pay off my balance multiple times each month just to reuse the same small credit line. Despite requesting a credit limit increase, Ive only been bumped up to {$1500.00} one day ago, which still isnt sufficient for my monthly spending needs. 

With a credit score of over XXXX, no late payments, and a strong relationship with Capital One, I believe my credit line should better reflect my spending habitsideally, something closer to {$8000.00}. If this can not be accommodated, I ask Capital One to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Mortgage — FHA 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Sent mortgage assumption, assistance documents to mortgage company XX/XX/XXXX, and XXXX, 2024 again XXXX. Spoke to XXXX XXXX XXXX I will have to go through Life Events Team questionnaire to see if I qualify to be the successor in interest. 
Spoke to XXXX in the Outreach Dept. XXXX XXXX, 2024, she was unwilling to give me the status of mortgage assistance. Requested a supervisor was transferred to XXXX in Escalations. Stated there is still a foreclosure scheduled on the property for XX/XX/year>. Sale date would not be canceled until all documents are accounted for and review is complete. He advised I should send the documents to the email in Escalations at XXXX. Documents were emailed for XXXX time XXXX, 2024. 
Chase is giving me the run around, incorrect information trying to make me lose my house to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase Auto Financing received payoff money for an XXXX  XXXXXXXX XXXX XXXX that was a Lemon Law vehicle in XXXX. 
Upon confirming receipt of payoff funds Chase refuses to process payoff on account and with credit bureau! 
While not providing a reason for the delay. 
The way Chase does business skates on unethical and biased.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
First I disputed an auto loan history that I had 100 percent payments on time but bankruptcy wiped out the acct but I still paid on time and kept the car thru and after bankruptcy. They showed it paid off but now it is showing unknown status no pymt history and they even went back to the vehicle before and did the same with that and it had 100 percent on time history to and it showed up unknown. This is after I disputed it. In addition I disputed a new child support account that they added and the old one was still there and now showing 2 accts of the same. In addition they are showing no payments on either of them and they are not in collections anymore because the principal has been paid. And the interest I am paying still but I am dealing with child support because they pulled XXXX XXXX XXXX of principal more than te court judgement of which they charged me interest on. They are reviewing the acct but it's not even reported to the other two bureau 's anymore. This is equifax and vehicle dates begin in XXXX goes thru XXXX and the child support principal ended in XXXX XXXX with a XXXX judgement that child support has collected arrears of totaling XXXX and now collecting interest on. Any help please transunion is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-09-11 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: GA

Complaint narrative:
My usual payment history does not align with these late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: NC

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/2024 CFPB Case XXXX Follow up to Case # XXXX American Express XXXX has not complied with CFPBs order to cease and desist. I received this email from XXXX on XX/XX/2024. 

This latest email must be on programmed auto send function. They need to remove my case and email from all its systems and databases since the preprogrammed codes will auto-send again. Please see attached XXXX for sender 's information. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 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: GA

Complaint narrative:
Im extremely disheartened to find unauthorized inquiries on my credit report, and I have no explanation for why this happened. I routinely check my report, but this time I found some unexpected discrepancies. I refreshed my browser thinking it might be an error, but the unauthorized inquiries remained. I urgently request that the documents Ive sent are closely examined so I dont have to deal with this stress any longer.

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 2024-09-11 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: TX

Complaint narrative:
Subject : Formal Dispute Regarding Inaccurate Credit Reporting by XXXX XXXX XXXX : To Whom It XXXX Concern, I am writing to formally dispute the reporting of an account from XXXX XXXX XXXX on my credit reports with XXXX, TransUnion, and XXXX. Upon reviewing my credit reports, I discovered that the same account is being reported inconsistently across the XXXX bureaus, with major discrepancies that violate the Fair Credit Reporting Act ( FCRA ). 

Account Overview : Account Name : XXXX XXXX XXXX ( Revolving Account ) Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Responsibility : XXXX Account XXXX XXXX : {$500.00} ( XXXX XXXX TransUnion ), {$250.00} ( XXXX ) Discrepancies Between Credit Bureaus : XXXX : Payment Status : Account paid satisfactorily with no late payments reported. 
Closed Date : XX/XX/XXXX. 
XXXX XXXX : {$290.00}. 
Account XXXX : No derogatory events reported. 
XXXX and TransUnion : Late Payment Reporting After Account Closure : XXXX reports the following late payments : 30 days late in October 2018 60 days late in November 2018 90 days late in XX/XX/XXXX TransUnion reports a XXXX late payment in XX/XX/XXXX. 
These late payments are erroneous because they occurred after the account was closed in XX/XX/XXXX, which is confirmed by XXXX. No closed account should have late payments, and this is a violation of FCRA accuracy requirements. 
Incorrect Last Activity Reporting : TransUnion reports the last activity as XX/XX/XXXX, more than a year after the account was closed, which is also inaccurate. 
Requested Resolution : I request the following actions be taken : XXXX removal of all derogatory marks associated with this account from my credit reports with XXXX and TransUnion, as these late payment reports are false. 
Correction of the late payment history on XXXX and TransUnion to reflect the accurate reporting provided by XXXX, which shows no delinquencies and that the account was paid satisfactorily. 
XXXX of the accounts details across all bureaus to ensure consistency, particularly with the accounts closure date, payment status, and last activity. 
This dispute is being submitted in accordance with the FCRA, and I expect these issues to be resolved within the XXXX investigation period mandated by law. If these errors are not corrected or verified, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and any other appropriate regulatory bodies. 

I have enclosed copies of my credit reports from XXXX, TransUnion, and XXXX, highlighting the discrepancies. 

Thank you for your prompt attention to this matter, and I look forward to receiving confirmation once the corrections have been made.

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