vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 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: VA

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 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 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i unfortunately had to close a business that i had for many years due to a few big losses during covid. I didn't realize i had a personal guarantee, wasn't informed I had a personal guarantee till the 5th month. when they reported me late on 4 payments. this has caused me irreparable damage. once informed I caught them up immediately. the damage was done and is still being done. I've never missed a payment before this .so when it was reported that i missed 4 all my creditors freaked out and started lowering my available credit one then caused the next to do the same even thou I've paid off over XXXX in debt its still showing 55 to 60 % usage cause of this misreporting. this is a business card that was never XXXXne my report but even though its caught up still shows up on my personal report. the way the bank handled this was underhanded and sneaky i have XXXX 's of XXXX of dollars going thru this bank from other accounts i have and no one wants to listen to me. i understand what a personal guarantee means and didn't know this account was set up like this otherwise i wouldn't have ruined my perfect payment history i would have just paid it and marked it up as learning lesson but this has gone way beyond that at this point please help get this removed from my personal report it is business and not personal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: Fay Servicing, LLC
State: MD

Complaint narrative:
Due to the Covid-19 Pandemic, I was told by the Governor to stay at home. My place of business of 20 years was closed and I has no income coming in. I contacted Fay Servicing and explained that I was affected by the pandemic and that I could not pay my mortgage. Fay Servicing advised me that I had been approved for a forbearance and that my account would not reflect any late payment and of late payments being reported to the credit bureaus. At the end of my forbearance period ( 18 months ), I was told by Fay Servicing that I had to pay the entire amount due or they investors would foreclose on me. I tried to get a modification several times, and Fay Servicing kept delaying the process, loosing my paperwork, conveying false information and not following through with the modification guidelines. I attended medication and Attorney XXXX lied to the Administration Hearing Judge and told him that I only needed one more document, and that my file was prepared to go to underwriting. 
The next week Fay Servicing switched up on me and said that I had to complete a new package and that their client was moving towards foreclosure. I retained an Attorney, and a modification was offered to me but, it was so aweful, I opt to decline. 
My loan interest would go from XXXX to 7 %, I would start over at 40 months, balloon payment {$400000.00} monthly payment would increase by about {$2000.00} and month. I couldn't afford that. Please call me to discuss I'm about to time out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased a home in XXXX, the loan eventually was transferred to Chase. In XXXX, I refinanced with Chase. A loan from Chase refinanced with Chase in XX/XX/XXXX. I am now attempting to sell the home. Upon title search it was discovered that there are 2 mortgages open on the property. Chase didn't perform their due diligence and never closed the initial loan. Now I am unable to complete the selling of the home. I have contacted Chase at length. Beginning on XX/XX/XXXX asking for a lien release. I called XXXX on Monday XX/XX/XXXX, escalated to a manager was told I would be contacted in 48 hours. I provided countless documents through the escalation office, including the closing documents from the refinance with Chase that includes the initial loan account # as well as the new account number that was eventually transferred to XXXX. I have called, emailed and although once or twice I received confirmation that a lien release was appropriate, that information has been followed up with another email stating it wasn't. 
I have called, emailed, escalated. The closing for the home has passed and now I am responsible for another month of mortgage. Every time I have contacted Chase, either through the lien release department or the escalation department I have been told they need more time. 
This request has not been taken seriously. We have relocated due to employment changes, we are paying two mortgages at substantial financial distress, we have a buyer but due Chase 's clerical error I have not been able to close. 
If I were to lose the buyer to the home due to their inability to provide the necessary documentation, they would be liable. I have given them the time and documentation they have requested. They have failed to follow through or comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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. 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 non-monetary relief
Consumer complaint received 2023-10-03 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$7100.00}.

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 2023-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX XXXX Owed : {$7100.00}.

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 2023-10-03 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: IL

Complaint narrative:
I sent mailed a letter through USPS on XX/XX/2023 to the address reported on Equifax Information Services website for disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX The certified number for this document is XXXX XXXX XXXX XXXX XXXX. The document is still available to pick up as of XX/XX/2023 which is hindering me from getting information corrected on my report. Attached here is the document again for reinvestigation of said accounts. 


REQUEST FOR REINVESTIGATION I received a copy of my credit report and I believe the following item of information to be inaccurate : Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX : XXXX I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe history and balance is reported inaccurately/incompletely. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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:
Kindly remove this to my credit report. This is causing me a lot of stress 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 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XXXX XXXX fraudulent applications from American Express was reported to my credit profile, and I never applied for this account this account. I never authorized anyone to apply for credit card in my name. This account was created fraudulent. I reported this to American Express and XXXX and was told I need to contact consumer finance gov. To remove inquiry from profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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:
Please remove this to my credit report. This is causing me 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 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
I recently applied for a Discover card online with my married name XXXX XXXX instead of XXXX. A week later after I was approved, a security hold was placed to verify my identity. As the process, had to request tax verification from the IRS and supply several identity documents ( Marriage license, bank statement, tax returns ) and a notarized statement about myself. This process was rigorous and inconsistent. Last month, I got an e-mail that my account was canceled because I didn't submit my documents. After speaking with the account security team, a statement was sent to them twice and the company canceled the card because they received the same bank statement. I didn't get an e-mail or a phone call about this and I had to call Discover Card weekly and they didn't state any additional updates two weeks before account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: KY

Complaint narrative:
When I reviewed my credit report, I discovered that this account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2023-10-03 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:
When I reviewed my credit report, I discovered that this account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank listed me as a joint account holder despite the fact that I never signed as a joint account holder when the account was opened. I have disputed this account for several years through the credit bureaus. The actual account holder filed bankruptcy ( unknown to me ) and Comenity Bank reported this account as closed and past due for several months. When I call I am told that I do not have a XXXX account and they refuse to send me direct correspondence. I was forced to pay the account off because they continued to ruin my credit. I received a call from a Comenity Bank manager ( XXXX XXXX XXXX who claimed I should have never paid and that Comenity Bank would send me a refund ( Still waiting on the refund ). XXXX further stated that Comenity Bank should not have reported the past due amounts on my credit report and that they would send letters to the credit bureaus to correct the reporting. XXXX said I could keep her phone number and call her if I have questions, I called and left a voicemail over week ago and have yet to receive a return call. Comenity Bank refuses to send me copies of the letter they supposedly sent to the credit bureaus. I am trying to obtain a mortgage and this negative reporting has caused irreparable harm to my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03 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: 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 Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 2023-10-03 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: CA

Complaint narrative:
Portfolio Recovery Associates , LLC filed their claim for a XXXX XXXX XXXX  XXXX credit debt against me stating the debt was Opened with XXXX  XXXX on XX/XX/XXXX. This reported date is incorrect, the actual date XXXX XXXX XXXX  XXXX reports is XX/XX/XXXX, see attached document. 
Portfolio Recovery Associates , LLC will not provide the date the debt became past due. I attached a copy of an email from XXXX XXXX that shows the account went past due Sun, XXXX XX/XX/XXXX per XXXX XXXX XXXX XXXX. 
The date the debt became past due is greater than 4 years from the date Portfolio Recovery Associates , LLC filed their collection action per the XXXX  statute of limitations. 

I have sent letters and left phone messages with no response. 
Portfolio Recovery Associates , LLC, XXXX XXXX  XXXX, XXXX, Va XXXX Portfolio Recovery Associates , LLC is not licensed in XXXX  as a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: PA

Complaint narrative:
I contacted Transunion because they kept removing than re-applying the same inquires after they were disputed then removed. They also had a man named XXXX XXXX on my file and I kept asking them to remove it and they ignored me. 
I requested they keep the original removed inquires off and someone kept reapplying them months later each time. It was XXXX XXXX ( XXXX ) and 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 explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my credit report and noticed there are names and addresses listed that should be removed off my account. I have uploaded documents that verify my correct name and my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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 am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: NY

Complaint narrative:
Experian has not received written instruction to furnish a consumer report on my behalf in doing so Experian is actively committing identity 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 non-monetary relief