vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to file a formal complaint against Experian for inaccurate information present on my credit report. On XX/XX/XXXX, I contacted Experian to dispute certain details that I believe to be erroneous. To date, I have not received any response or resolution from Experian. I am providing the following details of the disputed accounts along with the requested corrections : 1. Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$28000.00} I request Experian to remove the account with XXXX XXXX from my credit report as it is not mine. 


2. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} The account XXXX XXXX requires examination due to incorrect reporting. The reported balance is higher than my recollection. Additionally, the account was presented as closed, and therefore, the Past Due amount should not be provided. I intend to resolve this directly with the creditor. I request Experian to report the account as disputed to reflect my efforts to resolve the issue. 


3. Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} The account with XXXX is inaccurately reported. The balance is inflated, and I believe I owe a lower amount. The stated Past Due amount does not accurately represent this account 's status, as it was closed and charged-off. I intend to address this directly with the creditor and request Experian to mark the account as disputed until a resolution is reached. 


4. Account Name : XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} 5. The information provided for the account XXXX XXXX XXXX is incorrect and detrimental to my credit reputation. The balance reported does not align with my records. Moreover, presenting a Past Due amount for a closed, charged-off account is inaccurate. This has adversely affected my credit score. I intend to negotiate with the creditor to rectify this. I request Experian to mark this account as disputed to prevent further credit score decline. 


XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$700.00} The account with XXXX XXXX was never late, and I request Experian to correct/update this inaccurate information on my credit report. 


XXXX. Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$980.00} The account with XXXX XXXXXXXX was never late, and I request Experian to correct/update this inaccurate information on my credit report.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally lodge a complaint against Equifax for inaccurate information present on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain details that I believe to be incorrect. However, I have yet to receive any response or resolution from Equifax. I am providing the following details of the disputed accounts along with the requested corrections : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$28000.00} I kindly request Equifax to promptly remove the account with XXXX XXXX from my credit report as it is not associated with me. 

Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} I believe that the account XXXX XXXX contains inaccuracies that require examination. The reported balance exceeds my recollection, and the account was labeled as closed, implying that the Past Due amount should not be presented. I intend to resolve this matter directly with the creditor. To facilitate this, I kindly request Equifax to label the account as disputed while I work toward a solution. 

Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} The account with XXXX is inaccurately reported with an inflated balance of {$1100.00}. This amount does not align with my records, and the stated Past Due amount contradicts the account 's closed and charged-off status. I intend to liaise with the creditor to rectify this discrepancy. Until a resolution is achieved, I kindly request Equifax to label this account as disputed. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} The account with XXXX XXXXXXXX was never late, and I urge Equifax to promptly correct/update this erroneous information on my credit report. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$800.00} The account with XXXX XXXXXXXX also maintained a record of being never late. I kindly request Equifax to rectify/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
LVNV FUNDING LLC
c/o Resurgent Capital Services
XXXX XXXX XXXX XXXX XXXX XXXX  
ARE SHOWING ACCOUNT VERY ODD ON MY CREDIT REPORT TWICE!
RUNING MY CREDIT WORTHINESS WITH IS A VIOLATION TO MY RIGHTS! 

THIS ACCOUNT DOES NOT BELONG TO ME 
SEND VALID DEBT VALIDATION WITH WET INK SIGNATURE AND FULL CONTRACT

I DID NOT GIVE CONSENT TO PURCHASE ANY OF MY PERSONAL INFORMATION 
ACCORDING TO 15USC 1681 1(A)(5)(A)(I)

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION
State: WI

Complaint narrative:
i sent a letter to you stating that my mortgage principal balance is not going down. the owner of my loan states they don't make decisions on loans. after that i contact XXXX XXXX they say they don't make adjustments on loans. i'm confused, who do i go to for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I am unable to register with some credit report agencies to check my credit score

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 2023-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
On XX/XX/2018 there was a account opened in my name that i never had any knowledge of.I never authorized this account and i want it deleted off of my account in the amount of {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
This is a constant dispute with my public record at XXXX and Equifax. Bankruptcy on my credit reports has falsely been reported. This has hurt my credit tremendously. I have contacted this agency, XXXX the 3rd party vendor to dispute the claim. Since then XXXX has removed the reporting. Therefore it should be removed from the Credit Reporting Agencies. Equifax has not removed this from my public record and neither has XXXX. I have attached the letter from XXXX stating it has been removed. The monthly reporting of this is a violation in accordance with FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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 attempted to login to XXXX and transunion I updated password it went successfully. Went back to main login then it locked my account saying I did to many attempts. It said wait XXXX minutes still gave me the same error message then it said I entered the wrong password. This is all done on purpose I need access now.Transunion has not updated since XX/XX/2023. I can not get the full credit report. 
XXXX has XXXX address on me I only have XXXX address XXXX XXXX XXXX XXXX Fl XXXX please remove all others! 
I only have XXXX name XXXX XXXX XXXX Not XXXX XXXX XXXX XXXX not XXXX XXXX XXXX please remove all incorrect names and addresses from my credit file.

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 2023-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RELIANCE FIRST CAPITAL LLC
State: NC

Complaint narrative:
My Husband XXXX XXXX XXXX is the borrower. Im on the deed and im making the payments out of my account. Not allowed access to any information on the account. i signed papers here at my kitchen table at the same time he did.im not on the note i found out how can i get information when im the only one paying the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I want to purchase a new home but my consumer rights have been violated 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 XXXX XXXX XXXX has violated my rights as a consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
For XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-08-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
Back when I was in college I was misguided and took private student loans through XXXX XXXX XXXX. This was over 20 years ago. I fell into financial hardship and was unable to pay the loan. I did try working with the company and offered to pay something, but the company refused. The company filed a lawsuit which dragged in court for 10 years or more, looking at the loans the statute of limitation is passed. These loans along with other private student loans were XXXX in bankruptcy. XXXX XXXX forgave my loans but XXXX XXXX XXXX continued to come after me. 

On XX/XX/XXXX, the judge granted a judgement. At this point I had given up and had no argument. Plus, I hired an incompetent attorney who had no clue what he was doing. I couldn't afford to pay him anymore and I fired him. I filled out whatever paperwork they needed. I was ordered to pay I believe was a little over XXXX plus court cost. I noticed the paperwork asking if I was head of household which I am. Section 222.11 of Florida Statutes states that a creditor may not garnish earnings that include wages, salary, commissions, and bonuses payable to a debtor who is head of household. 

On Monday XX/XX/XXXX, I received a at XXXX PM I received a call from a company called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was working at the time and couldn't answer but returned their and spoke to someone by the name on XXXX XXXX at extension XXXX. I am doing whatever I can to put this behind me, so I wanted to hear what the agent had to say. She said they were willing to settle this debt with me due to a promotion they are running. We can settle for up to XXXX XXXX  I told them to give me a few says so I can speak to family in attempt to get this money. She put me on hold stating she was going to speak to the wage garnishment department. At that point I was confused. How am I head of household, and they are garnish my wages. She advised that the company was in process of filing for wage garnishment through my employer. I proceeded to ask the agent if the loans she is talking about was including the XXXX. She answered no. AT that point I questioned the legitimacy of the call because if I was ordered to pay back XXXX. According to what she is telling me the company is trying to charge me over XXXX. Something about this whole thing does not sound right because I had one of those cases/loans dismissed by court some time in XXXX. I am currently paying all of my household bills and providing care for my wife and three children while she is looking for work. I am in and out of the hospital, my most recent stay due to a XXXX XXXX. I can not afford my hospital bills let alone this debt that it seems the agent is tacking on more money that I owe. I would think that they would not use intimidation tactic and add money being that this is a law firm and we are working with a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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:
On XX/XX/2023 through XX/XX/2023 I was notified by Experian XXXX XXXX that a series of credit inquiries were happening on my credit profile. I did not authorize anybody to run my credit. I did not give my information to any company, and I did not go looking for any sort of credit at all. The notification led me to immediately lock my credit profile.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed bankruptcy and I did not give permission for it to be shared for public record and Im on the verge of suing if it is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One denied speaking to me when I have voice recordings of me speaking to a rep who advised that the late payments would be dropped since I'm experiencing financial difficulties due to Covid-19. Capital One referenced a bankruptcy in the previous complaint which is irrelevant information and only ployed in the response to try to justify character of default. In response I have submitted documents showing that Capital One has also been affected by the pandemic and had to close down most of the brick and mortar 's to compensate for today 's economy which is why they should further understand the position that I am in. Making me go through great measures to obtain Covid-19 protected status should not be as I am a loyal customer. Capital One has also been affected by XXXX this year resulting in XXXX customers data breach the company has also lost {$190.00} XXXX in revenue as Capital One it's self is going through Covid-19 hardship in 2023. Last year Capital One did the same thing and inaccurately negatively affected my credit even though I spoke to a rep, after going through great measures Capital One admitted to the wrong doings and ultimately removed the late payments.I am not sure if Capital One is unable to see my records of speaking to them because of a data breach but the late payments need to be removed as per their Covid-19 protocol service should be fair across the board if not then it can be viewed as discrimation which is a violation of my customer rights per ECOA Regulation B is currently reporting to all three credit agencies XXXX, XXXX and XXXX both XX/XX/2023 and XX/XX/2023 late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
I want to purchase a new home but my consumer rights have been violated 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 XXXX XXXX XXXX has violated my rights as a consumer

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 2023-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
this is follow up to complaint ID XXXX. When I looked on your site to follow up on the status of this complaint your site says Closed. Yes, Chase bank did send me a reply but, to be blunt, it was double talk and did not give me a satisfactory answer to my complaint. I have tried to contact XXXX at Chase bank as instructed in their letter but I can not seem to get through to her. If you look at their letter of XX/XX/2023 the 3rd paragraph is their answer, or excuse, for my problem. To me it is unintelligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. In addition, I was never contacted to dispute the possible fraud account and they put it on my credit report without sending me information to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian will not remove closed or paid accounts by lenders that are paid off.

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 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I filed bankruptcy and I did not give permission for it to be shared for public record and Im on the verge of suing if it is not resolved.

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 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Im not sure why or if someone used my information now that Im of age I can not open ANY Bank account and its very aggravating and not helpful

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit reporting, credit repair services, 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: FL

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief