vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: MD

Complaint narrative:
I am writing to dispute the following information that appears on my Equifax consumer report : In accordance with the XXXX XXXX XXXX. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts incorrect that needs to be deleted : XXXX XXXX - Account # XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # XXXX XXXX XXXX XXXX ( original Creditor : XXXX ) - Account # XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I received a rate increase letter on XX/XX/XXXX from SPS Servicing regarding and escrow shortage and interest rate increase by XXXX points. The amount indicated as my current payment was incorrect. They calculated the increase based on an old payment. Old payment was {$3500.00} and I was actually paying {$3800.00}. Their amount was {$320.00} less than what my actual payment was and what I had been paying since XX/XX/XXXX. Consequently, the escrow and interest increase was also calculated much higher. My new payment dues on XXXX is now projected as {$4400.00}, which is an additional over {$600.00} increase. I called and then sent them a certified letter on XX/XX/XXXX. I have called them many times and they keep stalling on a response. Their reps are not helpful nor will they allow me to speak to a manager. On my last call, they advised me that I would get a response on XX/XX/XXXX which is a day before the payment is due. I don't think it should take 2 months for a response when I continue to receive other communication from them. This has been done to me in the past as well and I have brought incorrect calculations to their attention. I feel like there are some shady practices with this company. I have seen several other complaints about them and would like to make other consumers aware. I had no choice as XXXX sold my mortgage to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a letter dated XX/XX/2024 from Truist Bank stating I owed {$59.00} which included a {$30.00} Charge-off account fee. I called on XX/XX/2024 to find out what the other charge was since once all automatic payments were stopped, I transferred the remaining balance from the account and called the bank to close all remaining accounts. I was told that the other charges were fees for inactivity in the account that I had closed. They said they would waive the {$30.00} fee but not the remaining charges. When I said that I didn't owe those as well, they stated that all of the charges would then be left outstanding.

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 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: VA

Complaint narrative:
A collection debt from a company I've never heard of putting false information on my account. A company called consumer Adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2024-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have received multiple phone calls and text messages from " debt collectors '' attempting to collect this debt although this debt does not belong to me and I have been trying to get it removed. During the time I was on XXXX XXXX military orders and no permanent residency. 
FCRA 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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-03-19 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: NV

Complaint narrative:
XXXX consumer account number XXXX XXXX this company has violated my rights per fcra This account was involved in litigation I have not supplied proof under the doctrine of estoppel by silence, XXXXngelhardt v. Gravens ( Mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt exists Also this account does not belong to me address place of residence never lived there.

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 2024-03-19 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: NV

Complaint narrative:
XXXX consumer account number XXXX XXXX this company has violated my rights per fcra This account was involved in litigation I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt exists Also this account does not belong to me address place of residence never lived there.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TRANSUNION has failed to grant access to my credit report available for more than XXXX weeks to include annualcreditreport.com, transunion.com, 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 2024-03-19 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: CA

Complaint narrative:
I hope this letter reaches you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of the inaccurate negative entry persisting on my credit report across all three major bureaus. Despite my repeated attempts to rectify this matter, the lack of action on your end is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: CA

Complaint narrative:
I hope this letter reaches you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of the inaccurate negative entry persisting on my credit report across all three major bureaus. Despite my repeated attempts to rectify this matter, the lack of action on your end is unacceptable.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMCB Auto Finance Account # XXXX The above company is violating my consumer rights by still reporting a charge off account that has been canceled to my credit profile. Per the IRS, once the account has reached a charge off status, and the lender has filed it on their taxes as discharged debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumers report as debt.

There is a 1099-C form issued and this now income being filed on my taxes. Reporting inaccurate information to my credit report is in violation of 15 USC 1681E ( B ).

Again, this discharged debt is now considered taxable income and should no longer be reflected as an outstanding obligation on my credit report. This companies action of reporting inaccurate information is severely impacting my ability to obtain credit.

Please investigate so that this account may be deleted from my consumer report and my credit profile updated. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
On XX/XX/XXXX I received several emails from XXXX confirming transactions for hotels in NJ that I had just booked. Upon receiving these, and being that I am in Iowa and have no intention of going to NJ, I knew that these were fraudulent. So i immediately ( that night within minutes ) contacted XXXX and alerted them. In the ensuing XXXX hours of being transferred around they refused to help me and told that because these were booked through there " sister-site '' booking.com, even though the confirmations came from XXXX and the person who made broke into my XXXX account XXXX that they could not help me. They would then transfer me to booking.com who would then refuse to help and transfer me back to XXXX, this went on for a couple hours. After getting no-where and basically in tears at this point I gave and called my credit card company Chase. They assured me that their fraud department would take care of the pending charges on my account and that would only need to wait till morning to contact them. So the next day I called and filled out the required paperwork and trusted them to take it from there. Two months later I received a follow up phone call stating that since they couldn't verify that my account had been hacked they were sustaining the charges and I would have to pay them. 

I pointed that I had called while the charges were still pending and asked why they paid them at all, to which they said that " I just didn't know how it worked '' and that pending charges have to be paid to " certain vendors like XXXX ''. I asked why if XXXX had canceled XXXX of the charges the first night for fraud, which they did, why wouldn't all be treated that way and I was told that was between me and XXXX and they wouldn't do anything to help me. I was then told that all of this would noted on my account but that if I wanted to further dispute this I would have to contact XXXX. Which I did. After spending another hour and change on the phone XXXX agreed that another XXXX of them was fraud and instructed me to have Chase call them back for a refund, so i contacted Chase again and they refused to help me any further so i canceled the card. 

The charges appeared on my bill as follows : All appear on XX/XX/XXXX, in the amounts of {$170.00} {$160.00} {$140.00} {$170.00} {$170.00} {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX EXPERIAN XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX EXPERIAN XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX EXPERIAN XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I got an alert of XXXX out of nowhere.My information has not changed But continually asking me to verify what Ive verified over a dozen times in the last two years, Nothing has changed my information nor my credit profile this is harassment at its finest, and an attempt to continue to have me do unnecessary things out of my day without being paid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am so sick and tired of my credit score dropping for no reason. I pay my credit cards in full every month every card I have are on auto payment. XXXX and Trans union are the XXXX biggest offender of this problem.This same thing happened to me a few months ago and after contacting Consumer Financial Protection Bureau the problem was solved in days.Now that I am going to pick up a brand new XXXXXXXX XXXX XXXX truck that I ordered and with my score dropping for no reason I will be forced into a higher percentage on my loan.This is total XXXX I am a fanatic on keeping my credit score in tip top shape.

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