vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 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: PA

Complaint narrative:
I'm asking for your assistance in dealing with the incorrect account thats showing up on my credit report. This issue has harmed my reputation, and I urgently need your help to correct it. The inaccurate reporting has caused me significant personal and professional damage. Please remove these false details from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: American First Finance, Inc.
State: GA

Complaint narrative:
I reviewed my credit report and noticed that accounts need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: AL

Complaint narrative:
I am filing this complaint against Equifax regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to unresolved inaccuracies on my credit report. Despite my formal disputes, some unverified accounts remain on my report, in violation of Section 611 of the FCRA ( 15 U.S.C. 1681i ). I previously disputed the following items on my credit report with Equifaxbecause I believe the information is inaccurate and can not be verified. Although some items were corrected, the following accounts remain on my report despite the lack of verification : Creditor/Account Name : TXXXX XXXX Account Number : XXXX Reason for Dispute : Not Mine Creditor/Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : Not Mine As part of my ongoing efforts to resolve this matter, I previously filed a report with the Federal Trade Commission ( FTC ) . My FTC report reference number is XXXX. Despite this, the disputed accounts remain on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: A & O Recovery Solutions, LLC
State: GA

Complaint narrative:
I checked my credit report and there are accounts that do not belong to me.

Company response to consumer: Untimely response
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: NJ

Complaint narrative:
In accordance with the fare Credit Reporting Act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Credit Collections acct XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX,. 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 containing any of the following items of information any other adverse items of information, other than records of convictions which antedates the report by more then seven years. 15U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has cause to believe that the information is inacurate. XXXX and XXXX does not have this collection on my credit report. I never received proper notification on this collection and I want the method of validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: NY

Complaint narrative:
IAM XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX dob XXXX ss # XXXX todays date XX/XX/2024 I have looked at my credit report and I have noticed fraudulent auto loan ACCOUNT NAME XXXX XXXX  XXXX XXXX ACCOUNT # : XXXX i ask for the companies involved to do a PROPER INVESTIGATION AND DELETE THIS ACCOUNT PLEASE THANK YOU. THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE/ACCOUNT STATUS/ BALANCE / PAYMENT HISTORY LAST DATE REPORTED IS INACCURATE AND ACCOUNT NUMBER IS INCOMPLETE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) 15 USC 1692e false and misleading representation DELETE THIS FRAUD ACCOUNT THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX I refinanced my home with Chase Bank on a new XXXX  year mortgage and enrolled in the Chase Mortgage Cash Back Program. From XXXX until XXXX I received cash back payments annually in the amount of {$XXXX} as a part of the mortgage cash back. 

At the end of XXXX, I attempted to make an extra principal payment at the end of the year, which got applied as a regular payment. Since automatic payments continued to be drafted, I found I was paying in advance for my mortgage payments so in XXXX of XXXX, I stopped automatic payments and reinitiated automatic payments the next month. At no time did I make a payment late and in all cases payments for the mortgage came from my Chase checking account. 

I have now learned that this temporary pause on automatic payments dis-enrolled me from the Chase Mortgage XXXX Back program and because the program had been discontinued, I would receive no further payments. 

In XXXX of XXXX, I appealed this dis-enrollment from the program all the way up to the Chase XXXX XXXX XXXX I was given a copy of the policy disclosure that states that cancellation of automatic payments for any reason voids the rebate offer. 

My contention is that the grounds for this dis enrollment were : a. ) Either not a part of the original program and only changed in XXXX when the program was terminated- and I was not given any disclosure of this change or b. ) Part of the original program, but not properly disclosed to me or XXXX ) A rule in the program that is applied arbitrarily with some mortgage customers being treated differently from others. 

If any of the above are true, then I feel that Chase Bank is not acting properly in its disclosing the rules of its mortgage program. The XXXX Back XXXX program was XXXX of the reasons why I chose to refinance my mortgage with Chase. My opinion is that when they cancelled the program they looked for technicalities that would minimize the amount they would have to pay and I feel like I was defrauded out of my remaining {$XXXX} in rebate payments. I would encourage the XXXX to request internal documents from Chase detailing when the rule changes to the XXXX Back Mortgage program were made and if these rules were properly disclosed to individual mortgage customers ( either the original rules or amended rules ). Quite simply if I would have know that the temporary cancellation of automatic payments would stop my rebate, I never would have done so. 

Attached to this complaint are the terms and conditions I received in XXXX when I applied for the mortgage and enrolled in the cash back rebate program. Also attached are the terms and conditions that Chase says are now applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: World Acceptance Corporation
State: GA

Complaint narrative:
I reviewed my credit report and noticed that accounts need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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:
I looked at my report back on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 


This account " XXXX XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 


This account " XXXX '' open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. 

I sent a letter via certified mail on XX/XX/year> tracking number XXXX asking them to reinvestigate the accounts in question. 

I got the investigation back and NOTHING was modified. 

So I requested a description of the reinvestigation and they did NOT provide me which is a violation of 15 USC 1681i ( 7 ), They also violated 15 USC 1681a, 5.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone opened a XXXX account, also an Equifax account, in my name. I would like to delete this XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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:
XXXX XXXX XXXX, {$7700.00} XXXX XXXX {$160.00} Late Payment XXXXXXXX XXXX {$57.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to 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 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
This so called debt was not incurred by me. My identity was supposedly used to create some form of card/account using a banking institution with whom I have never had an account. I called the collection company to request more information but none was given. The company ended the phone call abruptly as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: PA

Complaint narrative:
I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: RI

Complaint narrative:
I recently reviewed a copy of my report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: SoLo Funds Inc.
State: NY

Complaint narrative:
Absolutely terrible company. I deposited {$100.00} on the app to cover a loan. I paid the loan back with my debit card instead of using the XXXX in my balance. I go to withdraw the XXXX dollars from my balance which clearly shows I have XXXX in my balance then it says I must contact customer support. 7 customer support agents later and they all say a resolution continues to be worked on and I should be able to withdraw the money by the end of the day. Its two weeks later and the XXXX is still sitting in my account for no reason other than their own lazy technical error. They should be penalized for holding my money. 

My last message to them is as follows, Here we go AGAIN! I need to be able to withdraw my funds IMMEDIATELY. Im tired of this issue. Youre my 7th rep now. I am able to get a loan but I cant withdraw the loan or my own money that Ive deposited and Im getting tired of it. I have XXXX kids and at least need to be able to withdraw the XXXX Ive deposited. Ive had 2 reps tell me they are going to get to the bottom of it but its been more than 24 hours. I have had the app reset, the plaid reset, uninstalled and reinstalled, etc. this is a horrible experience. I just want you to finally fix this for me please. Reporting to the proper authorities if my money isnt in my account by the end of the day EST. The last agent I talked to said this would be handled by the end of the business day, which was a Friday. I built the urgency around the fact that this is a holiday weekend and that I would not be able to access the funds until the following Tuesday if the issue was not fixed. My family lives on a tight budget and this company failed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
When my mortgage was being serviced by XXXX XXXX  I asked for the PMI to be removed and offered to have the house appraised. They told me it wasnt necessary. And that they would review and remove. 
The loan was then sold to another provider. Without my knowledge. I continued to pay XXXX  during which the other company marked my payment late. Which it wasnt. It was paid to XXXX. On time. 
Since then its been now passed on to shellpoint loan service who says my house is way past the PMI limits and would be removed but can not because they say I made a late payment. 
I never made a late payment. The loan was sold. I was never notified until AFTER that payment was made. For which they should not have even taken the payment. It was a matter of days in between.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
FAMILY SUPP is on my records credit report and that is wrong

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
I reviewed the accounts on my credit report and noticed that they are not mine and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: Self Financial Inc.
State: NC

Complaint narrative:
I reviewed the accounts on my credit report and noticed that they are not mine and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: PA

Complaint narrative:
I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed.

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 2024-10-13 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: PA

Complaint narrative:
I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed.

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 2024-10-13 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that appears to be fraudulent. This account is inaccurate and is negatively impacting my credit score, thus affecting my ability to obtain credit. I did not authorize this account, and I am requesting its immediate removal. 

Please take the necessary action to correct my credit report. Thank you for your attention to 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