vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX has an account opened by me on XXXX i do not know who these people are nor do i owe a debt to them please " delete '' this inaccuracy from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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

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 2024-02-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HILLTOP HOLDINGS, INC
State: MA

Complaint narrative:
Dear PrimeLending Customer Service, Attn CFPB and All three Major Credit Bureaus I hope this letter finds you well. I am writing to address a persistent issue regarding the reporting of a late payment on my credit profile by PrimeLending. Despite numerous attempts to rectify this matter, the erroneous late payment continues to negatively impact my creditworthiness.

I have been a loyal customer of PrimeLending for about 10 years, and I value our relationship. However, I have encountered an ongoing issue with my credit report that requires immediate attention. The issue revolves around a reported late payment that is inaccurately attributed to my account. I have made several calls to your customer service department to address this issue, and while your representatives have been helpful in temporarily removing the late payment from my credit report, it reappears after a certain period.

This recurrent problem has been both frustrating and detrimental to my financial standing. I have diligently made my payments on time, and it is disheartening to see my credit score suffer due to a chronic mistake on PrimeLending 's part. As a responsible borrower, I believe I deserve accurate reporting and fair treatment when it comes to my credit profile.

I kindly request that PrimeLending take immediate action to permanently remove the incorrect late payment report from my credit profile. It is crucial to rectify this situation to prevent further damage to my credit history.

I am aware that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of information reported by creditors, and I trust that PrimeLending will adhere to these guidelines by promptly addressing and correcting this issue.

I kindly ask for a written confirmation of the removal of the incorrect late payment from my credit profile within 30 days of receiving this letter, as required by the FCRA. Additionally, please provide me with the contact information of the individual or department responsible for overseeing this correction to ensure effective communication regarding its resolution.

I believe in the importance of maintaining a positive and productive relationship with PrimeLending, and I am confident that we can resolve this matter amicably. Your prompt attention to this request is greatly appreciated, as it will allow me to regain confidence in the accuracy of my credit report and ensure the fair representation of my credit history.

Should you require any further documentation or information from my end, please do not hesitate to contact me at your earliest convenience using my supplied identifying information. I look forward to your prompt response and a swift resolution to this issue. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited XXXX checks into my chase bank account from my clients that I work for on XXXXXXXX XXXX2024. And today on XXXX XXXX, 2024 I receive a notification that both of my checking account are frozen. They tried to say that XXXX of the checks popped up as fraud because XXXX of the checks from the same person have the same amount. But in their system its showing up as I did a duplicate check which I didnt. I went over the checks with them and the proof that I had and they still said that they can not release my funds to me or unlock my bank account, they even confirmed with the check writer that the check is not fraudulent, and still will not unlock my account. Now I dont know what to do because chase has all my money from both accounts and my bills are due today and I have no funds to pay now.

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

Complaint narrative:
I am in shock. I took a look at my credit report and noticed several accounts I did not open or even apply for. I notified the companies to let them know I did not apply for these accounts however the accounts have been repeatedly reported negatively to my credit profile. These negative accounts are stopping me from moving to another level in my life. Which is causing XXXX  XXXX. I am at the end and I do not know what else to do about these accounts. 

These big name companies with big pockets are violating my rights and hurting my small pockets. Virtually and financially XXXX XXXX Keeping me in poverty and unable to survive and sustain the american dream. I know this is wrong morally and according to the law 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.

I have attached a copy of my identity theft report. Thank you for your attention to this matter.

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 2024-02-02 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: IL

Complaint narrative:
I am in shock. I took a look at my credit report and noticed several accounts I did not open or even apply for. I notified the companies to let them know I did not apply for these accounts however the accounts have been repeatedly reported negatively to my credit profile. These negative accounts are stopping me from moving to another level in my life. Which is causing XXXX  XXXX. I am at the end and I do not know what else to do about these accounts. 

These big name companies with big pockets are violating my rights and hurting my small pockets. Virtually and financially XXXX XXXX. Keeping me in poverty and unable to survive and sustain the american dream. I know this is wrong morally and according to the law 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.

I have attached a copy of my identity theft report. Thank you for your attention to this matter.

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

Complaint narrative:
Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.

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

Complaint narrative:
this account has been placed on my credit report inaccurately XXXX XXXX XXXX XXXX XXXXXXXX after multiple times of me trying to get the agency to correct or delete the inaccurate information. this account has been closed and is well over XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
XX/XX/XXXX, XXXX XXXX, and the XXXX. 
XX/XX/XXXX, XXXX XXXX, XXXX and the XXXX. 
XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and the XXXX. 
XX/XX/XXXX, XXXX XXXX and the XXXX. 
XX/XX/XXXX. 

They have called multiple family members phone numbers and left very very nasty voicemail. Repeatedly calling my husband 's phone XXXX XXXX and even XXXX times a day from different numbers. I realize I have debt that needs paid but when trying to negotiate a payment plan or even a pay I full price. Very rude and disrespectful it's over the line of harassment now. They have called from a total of XXXX different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: NE

Complaint narrative:
I received a phone call that left a message saying theyre attempting to resolve a personal matter. I saved the message and I called the number that called me which was different from the number that was in the message. The gentleman said that my old bank account from XXXX years ago US Bank, I left them abruptly with owing them money around {$350.00} and now XXXX years later its run up to {$800000.00} or more and that theyve been hired to collect this money for that US Bank. I did have a US Bank account along time ago. The gentleman also had my Social Security number, my address and my phone number. He said they sent multiple letters to my address. I never received a single letter. He threatened to take me to court sees my property, but leans on my XXXX payments, which I live off of. I told him to send me a letter of verification and he said it doesnt work that way he wants to collect the money now and I said I dont do these things over the phone because theres so many scammers out there and he got angry, and started talking in an elevated voice. Dated that their name is XXXXXXXX XXXX XXXX out of XXXX, Iowa. I XXXX  XXXX XXXX XXXX in XXXX IA and there isnt one. Him having my Social Security number address bank account he didnt give me an account number it worries me but Im pretty sure its a scam and they were good. A woman called and left a message. There was electronic voice for the reply, phone numbers, and then I called and it was a gentleman, I havent given them anything. All I said was I want their verification letter in the mail and once I can prove that they are legitimate Ill get a hold of US Bank and will work it out and he hung up on me after that.

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 2024-02-02 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: FL

Complaint narrative:
Please see attached XXXX. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-02-02 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: FL

Complaint narrative:
Please see attached XXXX. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AA Recovery Solutions, Inc.
State: AZ

Complaint narrative:
I was contacted in XXXX in regards to a debt that was owed. The collector contacted me through calling my employer. Due to being frightened, I agreed to a payment plan. I never received a written debt validation letter 5 days after our initial communication. In XXXX I had asked if I could dispute the debt, she told me that because I had already agreed to a payment plan, I no longer had the right to dispute. I was NEVER informed that I could dispute the debt. I never received written debt validation. She then contacted me 3 times in one day and even went as far as calling my place of employment and leaving a message with the front desk. This company has violated my rights as a consumer.

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

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 : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-02-02 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
My credit card was lost and charged the amount of XXXX at a tire shop in XXXX. I reported the card because I didn't authorize that transaction nor do I live in XXXX.it was handled, so I thought only to be put back on my account months down the line and I have been having this issue since XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
1990 XXXX XXXX XXXX XXXXXXXX XXXX XXXX EXCELLENT CONDITION PAID FOR IN FULL, INSURED WITH XXXX XXXX, XXXX XXXX, XXXX XXXX, FLORIDA, UNRECOVERED, REPORTED STOLEN. NEW VEHICLE DENIED, LODGING DENIED, ALL FINANCIAL ISSUES DENIED.

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

Complaint narrative:
I pulled my consumer report and noticed several non mailable addresses. To ensure I receive all mail from the United Postal Services, heres my corrected address XXXX XXXX XXXX XXXX XXXX XXXX 

My name should also read XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and employer : U.S. Small Business Administration . 

Remove any and all other information to relinquish all identity theft claims, including the information tied to these accounts as the information you are reporting are not mine. I have mailed this information to them XX/XX/XXXX with no avail. 







15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I pulled my consumer report and noticed several non mailable addresses. To ensure I receive all mail from the United Postal Services, heres my corrected address XXXX XXXX XXXX XXXX, TX XXXX. 

My name should also read XXXX XXXX, ( XXXX ) XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

Remove any and all other information to relinquish all identity theft claims, including the information tied to these accounts as the information you are reporting are not mine. I have mailed this information to them XX/XX/XXXX with no avail. 







15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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