vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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: NJ

Complaint narrative:
I am writing to dispute multiple unauthorized accounts appearing on my credit report, which are negatively impacting my credit score. Despite my previous complaints and requests for investigation, these accounts have not been removed or corrected. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611, 605B, and 623, I am entitled to a credit report that is accurate, fair, and reflective of authorized transactions only. 

I have reason to believe these accounts were fraudulently opened by a third party without my permission. I did not authorize, open, or use any of these accounts. These inaccuracies continue to harm my credit, despite my repeated efforts to resolve this matter. 

Unauthorized Access and Fraud : I believe these accounts were fraudulently opened by someone with unauthorized access to my Social Security number. Under FCRA Section 605B, I request the removal of these accounts based on identity theft. 

Inconsistent Account Status : Several accounts show conflicting information, such as being listed as both opened and closed or containing incorrect dates. Under FCRA Section 611 ( a ), which mandates the reinvestigation of disputed information, I request that these inconsistencies be corrected. 

Duplicate Account Entries : A duplicate account appears, further harming my credit score. FCRA Section 623 ( a ) ( 5 ) requires furnishers to provide accurate information ; therefore, I request the removal of duplicate entries. 

Dispute Resolution Confusion : Some creditor remarks incorrectly indicate a prior dispute was resolved, while the dispute status for those accounts remains account not disputed. This inconsistency violates FCRA Section 623 ( a ) ( 3 ), which mandates that furnishers update disputed information accurately. 

Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I learned about 2 separate collection accounts for 2 different apartment communities. I have never lived or applied to either community before. The actions look place in XXXX and XXXX. During this period, I lived and still currently live in XXXX, FL. I attempted to contact the property management company XXXX for 1 of the apartments, however they are no longer affiliated with the community. The 2nd apartment confirmed that a debt is not owed in my name, however the debt collection company refuses to remove without proof. This particular debt was removed once, but has reappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: TX

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

Name : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I have contacted Freedom Mortgage numerous times to resolve this. First I was told in a phone call that PMI payments would automatically be removed by the end of XXXX. I called again and was told it would not be removed until I'd reached the 80 % of the initial loan amount threshold ( reached in XXXX of XXXX ). I was told when I called in XXXX that there is no record of my having called and received any of this information so in XXXX of XXXX I switched to electronic reporting to keep a written record of correspondence and repeatedly asked for the results of conversations with customer service to be put into a letter to me. I have been told PMI can not be removed because my home is in a disaster area ( it is not, I live in XXXX, and the disaster area for flooding that they referenced was due to Tropical Storm Debby and that flooding occurred hundreds of miles away in XXXX XXXX XXXX. I was told in a letter dated XX/XX/XXXX that I am not eligible because either I did not make a payment on time ( not true ) or I received Covid 19 assistance ( I didn't ) or because my property value may have declined since my mortgage was taken out ( it is worth between $ XXXX and XXXX more according to my realtor. ) I was also told I could pay a {$190.00} fee for what is called a BPA to apply to have my home value checked by a broker that Freedom chooses. Even the Customer Service Rep I spoke with today in the escalations department admits that I am being provided with contradictory information and she has promised to look into it and call me back at the end of the week. When I again requested written confirmation of our conversation she told me ( again ) that she can not provide that. I asked for email correspondence because I am often unable to take phone calls during the work day and I was told that is not possible.

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 2024-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I was not aware about the debt that was brought to my attention XX/XX/year>. I received a call around XXXX in which I answered because they returned my call from a call I initially missed. She mentioned she was from commercial acceptance debt collection agency and was quite rude. I told her that I wasnt made aware of any money owed to the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I havent used them in months, almost a year. I remember being there me being told all I had to pay was for the visit and since it wasnt covered by insurance I swiped my credit card for the total cost of the appointment. The lady at the counter and my surgeon told me. I was never made aware of any balance that I owed and if I was I wouldve paid but Im pretty sure there is some kind of mistake unless I was given misinformation from the girl at the counter and my surgeon. This is unbelievable I dont believe I should be held responsible as I was not aware and couldnt even attempt to pay any kind of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: SC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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 generallf, 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 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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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 am writing to request the blocking and permanent deletion of fraudulent accounts and inquiries that have been added to my credit file without my authorization. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items removed from my credit report. 
The following accounts were not opened by me and should be immediately blocked and deleted : XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$7300.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$4300.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$6300.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$4300.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$3700.00} XXXX. XXXX  XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$680.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. EXPERIAN  XXXX XXXX - Inquiry Date : 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 2024-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I just received a wage deduction notice in the mail for a debt that was incurred in XXXX. I started my new job in XX/XX/XXXX and still on probation. the debt amount is XXXX i received this on XX/XX/XXXX. I was not aware that in the state of XXXX  you can still be sued for a debt that is over XXXX XXXX XXXX. I have not heard anything since I moved around a lot until i moved to my new address in XXXX with my boyfriend.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/charge off XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXXXXXX XXXX {$2200.00} XXXX XXXX  XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3400.00} - duplicate XXXX XXXX XXXX XXXX XX/XX/XXXX {$4900.00} XXXX XXXX XXXX XX/XX/XXXX {$4900.00} - duplicate XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$1300.00} - duplicate late payment XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX inquiries XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/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 2024-11-05 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:
Made complete payment of XXXX $ and XXXX $ payment to XXXXXXXX XXXX XXXXXXXX XXXX And under XXXX % utilization. 

In addition made a payment to XXXX XXXX XXXX  XXXX XXXX XXXX $

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XXXX I received a statement with the " Paper Statement '' fee of {$1.00} added to it. When contacting the company, TJX Rewards Platinum Mastercard, I was told that the company does not need a consent because I have a choice, to switch to email only option, or cancel the account. 

The CFPB considers paper statement fees to be a type of " junk fee ''. 
Paper statements are an important consumer protection because they provide critical information and are a reliable way for consumers to retain records. 
If a company advertises a " free '' account but charges for paper statements, it could be a violation of UDAAP. The TJX Rewards Platinum Mastercard was advertised and until now was a free of " junk fees '' card. Therefore TJX Rewards Platinum Mastercard is in violation of UDAAP.

Kindly help me to curb the corporate grid. 

Many thanks in advance, XXXX XXXX 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 2024-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: AZ

Complaint narrative:
This has been going on for years now. I try to get my monthly payments lower and they can only give me the the interest only options. My loan was XXXX now is XXXX my monthly payments are too high {$280.00} XXXX asked to pay {$200.00} but was told no on more than one occasion. They say lets look at options lower my interest rate or interest only. Both options keep my payments going up instead of down. I am never paying the on the loan. I have been told by Navient employees to borrow money. get another job, take out a loan and the best one was move in with people to pay my bills. I have felt for years I have had no recourse against them. My only choice has been to stay in this cycle of interest only because that is all I can do. I have submitted twice loan documents to have my loan forgiveness because I went to XXXX and sold a bunch of lies. Twice they have told me they have record of my documents. on XX/XX/XXXX though I was told my documents were there but on the XXXX of XXXX told they don't have them and I should resubmit. Then when the company went with Mohela I felt like it was a bait and switch. Got the news my account was being services by Mohela so thought things would change. Nope when I called on the XXXX found out the person said they are still Navient was just a rebranding. That was not what I was told or sent. Nothing said Navient was being rebranded as Mohela. So now I feel like I was lied to again by Navient because you can never calll there and get the same answer twice. The supervisors are jokes and just as bad as the normal employees if not worse. They have built their business on fear that is why people continue to take their abuse. By the way it is XXXX this loan was disbursed XXXX and repayment started XXXX. This loans should be paid off it says XXXX say refi the loan but you cant because this loan gives you bad credit. This has been goin on for years and no end in sight XXXX is a joke. There job is to keep me owing them and never able to pay it off. My car loan interest is lower and has been than this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Flagstar Bank wrongful credit delinquency on XXXX on XX/XX/year>. I accessed the archives of Flagstar.com showing proof of the disabled website. Please see 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 2024-11-05 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: FL

Complaint narrative:
I VIEW MY ONLINE CREDIT REPORT OFTEN, I NOTICED AN INQUIRY FROM XXXX XXXX, THE INQUIRY WAS PUT ON MY CREDIT REPORT XXXXTHE CREDIT BUREAUS DONT HAVE NO ACCOUNT ASSOCIATED WITH THIS INQUIRY, AND IT IS NOT MINE, I DONT HAVE ANY OPEN LOANS ON MY ACCOUNT, ... NO OPEN ACCOUNTS ASSOCIATED WITH THIS COMPANY ... IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE LISTED ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIAITLY UNDER 15 U.S.C. 1681.

15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.I TOLD EXPERIAN AND XXXX TO REINVESTIGATE THIS ACCOUNT ..REPORT # XXXX ..XXXX XXXX.HOWEVER THEY STATED EVERYTHING WAS COMPLETE AND ACCURATE.BUT HOW IS THAT POSSIBLE IF THE OPEN DATE DATE OF LAST ACTIVITY AND MUCH MORE IS INCORRECT.UPDATE WAS XX/XX/XXXX XXXX..ACCORDING TO 15 U.S.C. 1681 1 i ( 5 ) they are suppose to modify accounts that arent reporting correctly.

Company response to consumer: Closed with explanation