vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account 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 explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I contacted Specialized Loan Servicing on XX/XX/2024 at XXXX XXXX Eastern Time and asked to have my same exact autopay updated to a new account number ending in XXXX with no other changes. The agent repeatedly confirmed that my amounts would draw exactly as they had done so, whereby my payments had been pulling a month early. For example, on XX/XX/XXXX, my autopay pulled for my XXXX payment. However, Specialized Loan Servicing did not process this correctly. It is XX/XX/2024 and they never pulled my XXXX autopay for XXXX. Specialized Loan Servicing has done this every single time I have made even the slightest changes to my autopay as chronicled in multiple other CFPB complaints. Specialized Loan Servicing services XXXX of my mortgages and has done the same thing for both of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX 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 2024-04-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the information being reported on my credit report regarding the account referenced below : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Upon reviewing my credit reports from multiple credit reporting agencies, I have discovered conflicting information regarding the payment status of this account. Specifically : XXXX reports the payment status as " Paid as Agreed '' with no indication of any past-due amounts. 
XXXX reports the payment status as " Paid as Agreed '' with no indication of any past-due amounts. 
Experian reports the payment status as " Past Due '', suggesting that there are delinquent payments on this account. 
This discrepancy in reporting has caused confusion and is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must provide accurate and consistent information in credit reports. 
I request that you conduct a thorough investigation into the reporting of the payment status of this account and take appropriate action to correct the inaccuracies. Please ensure that the payment status is accurately reflected on my credit reports from all credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 explanation
Consumer complaint received 2024-04-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA

Complaint narrative:
Hello. 

I am having 3 hard inquiries on my XXXX credit report that I did not authorized. 

AUTOMOTIVE CREDIT CORP ( Finance ) XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Auto ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2023 As I mentioned, these 3 hard inquiries are appearing in my XXXX credit score. Affecting my credit. 

I contacted XXXX for a deletion and they say they could not do it because I have to contact each company first. I contacted the companies and they say they dont have my information on file. I told them that I did not authorized those inquiries and that I want them to be removed. So one of them told me about claiming this to the CFBP. Thank you so much

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avant Holding Company, Inc.
State: VA

Complaint narrative:
Please See Attached Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: NJ

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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account 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 2024-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kornerstone Credit,  LLC.
State: LA

Complaint narrative:
Pursuant to Fair Debt Collection Practices Act 15 United States Code 1692. I reached out asking for a original contract that I signed with them and they stated that their client gave them my information they have called me over and over again multiple times a day I have had to block them. {$2200.00} for a company named Kornerstone Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute regarding a bankruptcy reporting on my credit report inaccurately. I have contacted Experian to receive the name of the primary supplier and secondary vendor of this bankruptcy record XXXX XXXX XXXX reporting on my file so that I may complete a thorough dispute/investigation. On XX/XX/24 Experian responded without providing the information requested which is clearly a stall tactic. Experian also accused me of using a credit repair company, which i have not even though the law permits it. Being that my previous dispute did not address this error nor did Experian provide me with the ORIGINAL FURNISHER and or SECONDARY SUPPLIER in accordance with the FCRA and a notice posted by the CFPB which requires CRAs to do such. Experian has not corrected this error on my file. I have attached a copy of the CFPB statement. Experian is causing financial and mental stress with its constant disregard to the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today XX/XX/XXXX, received a statement from BJ One Mastercard by Capital One. I was charged {$55.00} to renew membership on XX/XX/XXXX. I called today and they said they would refund the {$55.00}, but the credit would not post until on the card till XX/XX/XXXX XXXX days past the penalty date, where the would charge me a {$40.00} late fee. Capital One suggested I pay the {$55.00} today and wait for a refund. This appears to be a well planned sceam to collect late fees from unsuspecting consumers and put millions in their pocket. I told him I would not pay today {$55.00}, but its not right to charge me a late fee because of a business process designed to extract late fees from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. MY PERSONAL INFORMATION WAS STOLEN IN A NIGHTCLUB XXXX, AND I WAS ADVISED TO CONTINUE TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

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 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: FL

Complaint narrative:
I did not authorize or initiate these accounts, and it is unfair for me to bear responsibility for them. I urge you to promptly address this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Brightway One Main Financial credit card left a voicemail stating for me to call them back because this was an attempt to collect a debt and they disclosed that I have a debt with them on my voicemail. Anyone could have gotten that message and learned my private information about having an account with them. They are violating my rights to privacy with that voicemail stating they are attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My debit card information was stolen on XX/XX/XXXX and was used out of the country for {$380.00} Chase bank denied my claim stating there was not enough information when I dont use my card online or out the country I dont have a passport. My claim was denied with no information why

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
Eastern Account System has not provided me with the information I requested. As a there party for them to ask for me to pay a debt that is not owed to them. I was sent a letter and i do not know anything about this collection. so i am asking that EAS provide me with the following information to validate this debt they say i owe them. per FCRA law i am entitled to a fair and accurate credit rereport. 15USC 1692g How did you verify this is accurate?

Please send mean any type of documentation that you had that show that you verified this is accurate How did they validate the accuracy of this account?

Who did you talk with, name of person?

What time and date did you talk with a sales person?

What is are did that provide proof this debt belong to me?

Provide the license of Eastern Account System.

Asking to seize all communication This company is violating my consumer right to privacy pursuant to 15 USC 1681 b2 company has also No Permission to report anything using my info 15USC1681 4

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: KY

Complaint narrative:
i was affected by the 2017 equifax data breach their where fardulent acct opened with out my consent as a result this account XXXX XXXX XXXX ; ACCT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It has come to my attention that XXXX XXXX XXXX XXXX are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed

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 2024-04-02 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: NJ

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Tally Technologies
State: TX

Complaint narrative:
My payment was due on XX/XX/XXXX and I have not paid it yet. On XX/XX/XXXX I received an email that they could lower my monthly payment if I responded to the email with lower. I responded to the email on XX/XX/XXXX and they responded they could not lower my payment. Instead they offered to help me setup a future dated payment. Well, their email stated they could lower it and my expectation was for them to lower my payment as their email stated. Fast forward to today and I receive another email with them offering financial assistance. I responded and they reminded they could not lower my payment but can help with setting up a future dated payment. That is not financial assistance. They continue to send collection emails with false information because obviously the only thing they can do is future date the payment.Both emails with their responses are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I applied for a care credit card about a year ago for a XXXX. The agreement was 15 % interest however they are charging way over the interest amount, even though its not stated in the statement, the balance keeps jumping up. For instance, last month the balance was {$4100.00} the minimum was around {$180.00}, I paid {$220.00}. The account states I was charged {$63.00} in interest. A few days ago the account said the balance was {$4000.00} and some change. I looked on the account today and the balance is {$4100.00}. I called and the guy tried to tell me the previous balance was {$4500.00} from the statement previously, it was tampered with because it does indeed say that. But please tell me. Does $ XXXX $ XXXX {$4100.00}? No, no it does not! This is complete fraud and I need help! Attaching the original agreement and payments made.. as you can see, they have me marked as owing around {$1000.00} more than what adds up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2022 ( or so I think ) there was a Discover credit card opened under my name in XXXX XXXX, Florida. The total amount spent of what the person that opened the account was {$24000.00}. This was not me, I do not live, nor have I ever been in Florida. The charges shown on this account, which were provided by the debt collectors were random, some of which included purchases at an XXXX XXXX, fast food restaurants, car accessories, etc I was notified by the debt collectors XXXX XXXX XXXX of these charges that were verified by Discover Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: TX

Complaint narrative:
There have been multiple hard inquiries to my credit report that I did not approve, authorize or make myself. These inquiries appear to be fraudulent or theft.

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