vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 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: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is XXXX 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 2024-07-12 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Upon checking of my credit report today, I noticed an unfamiliar inquiry on my report. I didn't authorize nor recognize it or consented to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of XXXX and 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 2024-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
We had changed insurance companies from XXXXXXXX XXXX XXXX to XXXX XXXX. Flagstar sent " second and final notice '' letter threatening to purchase hazard insurance on our behalf for XXXX XXXX. We hadn't received first notice. Actual insurance premium thru XXXX XXXX is XXXX XXXX. Provided requested documentation of insurance for period covering XXXX. Received conflicting notices. Email seem to suggest that proof had been accepted. Text link indicated that it hadn't been accepted, because it covered wrong period. What period other than current that Flagstar might be looking for would be a headscratcher. Flagstar would seem little energy in customer service and trying to actually resolve problems.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: MO

Complaint narrative:
I noticed since XX/XX/XXXX that you have charged off my loan on my XXXX XXXX XXXX, but I never received a 1099 for the balance you reported to the IRS in the amount {$6400.00}. Could you please forward a 1099 to me immediately or update my balance with all credit-reporting agencies to XXXX? You will find my email address in the information section below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JP MORGAN CHASE is discriminating me by not giving me XXXX XXXX XXXX, I have credit cards of all giant financial companies like XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX and others and Chase Bank is the only company neither they increase my limit of XXXX XXXX, nor they approve any credit card related to Chase Bank, in the past I have tried XXXX XXXX, XXXX but denied, they added in me " BLACKLISTED '' and keep telling me that I have applied card in recent past or many cards, if I have many cards, why other bank are approving me {$9000.00}, {$14000.00}, and {$5000.00}, CHASE is the only company discriminate me several times, I have legitimate evidence. I am XXXX XXXXr of XXXX and wanted to have gift card ( on approval ) bonus of {$200.00} but they keep denying me for last XXXX  years and even I have XXXX XXXX and Car Loan Payments of XXXX left Out of XXXX with XXXX XXXX and Excellent and very good credit history, but JP Morgan Chase BLACKLISTED me and pre-populated information given to all three credit bureaus, they are discriminating me, they admitted that my XXXX credit card was not paid and It was not approved on my SSN back in XXXX and they have blacklisted our XXXX, even my XXXX is not living with me. CFPB must investigate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: IL

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX and XXXX they are causing 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 2024-07-12 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS BREACHED/STOLEN XXXX AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-07-12 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:
MY PERSONAL INFORMATION WAS BREACHED/STOLEN XXXX AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
My credit report currently contains XXXX different accounts in collections from Transworld Systems. They were originally reported as debts from XXXX XXXX and XXXX XXXX. The total amount of these XXXX accounts is just over {$1300.00}. I have never opened accounts with XXXX XXXX or XXXX XXXX and I believe these debts are fraudulent. I spoke with a representative from Transworld on XX/XX/XXXX after receiving a copy of the original bill from XXXX XXXX which lists an address in XXXXXXXX XXXX for the original account. I have never resided in Texas and can verify same through utility bills, DMV records and lease agreements. The representative gave me instructions on how to dispute the debt. I provided proof of address along with my actual utility bill from my home in XXXX  during the time period from which these accounts were being charged, per the representative 's instructions. I also provided a copy of my Identity Theft Report from the FTC. Since that time I have not received any response from the company nor any updates regarding my accounts. I called TSI this morning to inquire about the status of my claim and was informed that my ID theft report was not received nor reflected on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: PA

Complaint narrative:
I AM STILL SEEING SOME INACCURATE ACCOUNTS ON MY CREDIT REPORT. Please check the documents because I've included everything there regarding this important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: American Credit Acceptance, LLC
State: HI

Complaint narrative:
An {$26000.00} auto loan for American Credit Acceptance showed up on my credit report that I am totally unaware of. It was opened in XX/XX/XXXX and recent monthly payments of {$660.00} have been missed or overdue. I called American Credit Acceptance twice. I spoke to a XXXX named XXXX on XX/XX/XXXX and a worker named XXXX on XX/XX/XXXX. Initially I asked how to report identity theft and XXXX said she would forward the information to the fraud department and they would reach out to me. I haven't heard anything back. When I talked to XXXX she gave me a little bit of information about the account and said she would email me a copy of the loan document, but I haven't received it. I also emailed the company on XX/XX/XXXX reporting that this is fraudulent and that I should not be liable for this account. They didn't email me back, so I emailed back on XX/XX/XXXX and they still didn't respond up until now and it's been past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
See the attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: NE

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is XXXX 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 2024-07-12 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: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is XXXX 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
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2024, I called Fifth Third to request they stop payment for a company that was previously drafting my checking account directly. The rep stated they could not guarantee stop payment and, if I chose to close my account, I needed to bring the balance to XXXX  ( it was about- {$15.00} at the time ). 

On XX/XX/2024, I went to a branch asking to close my account and was told call a rep to close it over the phone after I deposited the approx. {$15.00}. I deposited the approx. {$15.00} and called a rep to close the account. The rep refused to close the account and said to call back in 24 hours to do so. 

On XX/XX/2024, the company I requested a stop payment against drafted the account, and I was charged XXXX fees for the overdraft. I went to the same branch as before and was told by another rep that the account could have been closed over the phone the day before. Still, the bank was powerless to keep the account closed or prevent the company from drafting my account from further overdrafts because they had my account/routing information. 

I waited to see how " powerless '' the bank was. 

On XX/XX/2024, the bank ( on its own ) began reversing the overdrafts the company I asked to be blocked on XX/XX/2024 from doing. I went to the same branch, again, and asked that they reverse the overdraft amount and fees as they began doing on their own and was told they would not do so. They've since sent me a letter demanding the overdraft and fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-12 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: ACCOUNTS ADVOCATE AGENCY
State: NJ

Complaint narrative:
My Name is XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... .Upon reviewing my credit file on XXXX XXXX sent by the bureau on XX/XX/XXXX at my residential Address -- XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ...... There has been a reporting of fraudulent account on my Credit file ...... I got XXXX reports from XXXX Credit Bureau with same file number - XXXX on same day XX/XX/XXXX but with different date of births and different membership periods ... .... My date of birth is XX/XX/XXXX ... ... .. and I have membership with XXXX XXXX XX/XX/XXXX ... ... ... ... ... ... .... The Account on the wrong report is ACCOUNTS ADVOCATE AGENCY XXXX # XXXX ... ... ... ... ... ... ... ... ... ... ... ... ..... Please remove this whole account as well as the wrong report on my name with date of birth listed as XX/XX/XXXX ...... The company ACCOUNTS ADVOCATE AGENCY is fraudulently reporting with wrong information to XXXX Credit Bureau ..... Please remove this inaccurate information from my credit ... ... ... ... ... ... ... ... ... ... ... .... XXXX Credit Bureau is also at fault at this ... ... ... ... ...... I have attached my photo ID, SSN card, FTC complaint, the correct credit report as well as the wrong credit report with this complaint ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... -..- ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..... I have talked with company representative XXXX on XXXX .... email is XXXX ... ... ... ... ... ... ..... 

For any further assistance please reach out to me XXXX XXXX on XXXX, email XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: CA

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue XXXX and is XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused XXXXXXXX XXXX to my XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This company is harassing me thru mail, attempting to collect a fraudulent, sold debt from another debt collector from XXXX XXXX, XXXX. They have stated the original debt was from XXXX. Both of these debts are well beyond the statute of limitations. The debt they are trying to collect is fraudulent, I have never owed a debt to PRA, LLC, which they claim to have purchased this debt from. I have asked them not to contact me and told them the debt was fraudulent. They again mailed me paperwork from a debt from XXXX XXXX from XXXX and stated the debt was purchased from PRA, LLC, and then sold to them. I do not owe XXXX XXXX any money. I have cleared with them through their customer service that this debt is not mine. I never owed a debt to PRA, LLC. Even if this debt were legitimate, this is supposedly a debt from 14 years ago being sold over and over again. This company is absolutely absurd to claim this is a legitimate debt. They need to remove my account from their system and stop the mail harassment. This is NOT my debt. I do not owe them anything.

Company response to consumer: Closed with explanation