vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-09-17 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: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXXXX/XX/year>

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 2024-09-17 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: IL

Complaint narrative:
As Per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block tis information from credit report within 4 business, pursuant section 605c of the Fair Credit reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like or all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX Bal {$620.00} XXXX Bal {$270.00} XXXX Bal {$14000.00} XXXX XXXX  {$1000.00} XXXX XXXX  {$890.00} XXXX XXXX Bal {$320.00} XXXX Bal {$6600.00} XXXX XXXX {$450.00} XXXX  Bal {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2024-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I requested a removal of my escrow account XX/XX/XXXX and by the XXXX I was denied. I have 45 % equity in my home and have never paid a bill late. I own a local real-estate brokerage and am VERY familiar with how this works. My escrow holding keeps going up while the small increases in my taxes and insurance do not add up to what the increase is. I was NOT contacted to pay an escrow shortage to give me the options of keeping my payment I was just raised. My payment has gone from $ XXXX XXXX and something starting next month. I will spend this time shopping insurance rates and verifying with the city my assessed value. Also, I would like to add that Chase has yet to pay my taxes OR insurance on time ... ONCE. I just hung up with the city and my summer tax bill was due XX/XX/XXXX and was paid 18 days later causing my house to be on a foreclosure website. If consumers are to be held to perfection standards of on time payments and equity than financial institution should be as well. I want my escrow removed and I want to handle my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: LA

Complaint narrative:
This is an application that is available to help people with their credit, but it did the opposite to mine. I enrolled in a " fake line of credit '' so I could attempt to rebuild my credit history. They are a scam! They make it sound like you are getting a credit account but dont tell you till after you agree to it that its just a fake account. I did not understand the concept and attempted to disengage. Meanwhile, they were attempting to charge me {$20.00} a month and dinging my credit because I changed banks, and they were not receiving any money. Let me be VERY clear, I did not borrow or receive any money from this application. They are treating me as if I defaulted on a credit account that he never received. You are essentially paying for an account that gives you a fake line of credit. If you don't cancel the account appropriately, they keep charging you and report that you missed payments which is what happened to me. The actions taken by XXXX have led to a significant drop in my XXXX XXXX. This drop has caused various inconveniences, including higher interest rates on loans and difficulty in obtaining credit. 

Legal Concerns : According to credit reporting regulations, specifically the Fair Credit Reporting Act ( FCRA ) and other relevant laws, all information reported to credit bureaus must be accurate, verifiable, and up-to-date. The discrepancies and negative entries associated with my account appear to contradict these requirements. Moreover, under the FCRA, individuals are entitled to a fair and accurate credit report, and any inaccuracies must be promptly corrected upon notification. I did not receive a loan, no money was in my possession like a loan or credit card, so I should not be penalized. They have refused to have my credit report updated and these alleged missed payments corrected on my credit reports. There are complaints all over the web regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian. Please delete the following accounts : XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$590.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$9700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc.
State: TX

Complaint narrative:
XXXX Collections company has repeatedly attacked my credit and I have spoken to them numerous times and they are admitting that I don't have any money owed to them and they shouldn't be on my credit reports however, they're still on it. 
I asked for letters stating this numerous times and I have nothing. 

I want this removed and blocked from doing it again!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: AL

Complaint narrative:
I previously submitted a complaint to the CFPB on XX/XX/year> and Zions Debt Holdings LLC replied on XX/XX/year> about the {$440.00} debt that they are wrongfully attempting to collect. 

I am asking for the validation of the debt as If the account has been sold to another creditor, that creditor must prove that it has the right to sue to collect the debt. This usually means producing proof that the debt was assigned to it. 

I have also never received any written notification about this debt and if they are saying that I have, I would like to receive a copy of my signature for the certified letters to confirm receipt, if this can not be produced, I ask that you please remove. Zions Debt Holding is also in violation of 15 U.S.C. 1681-1681x as they are knowingly reporting inaccurate and differing information onto my credit reports with XXXX. 

If this isn't removed immediately from my credit report, I will seek {$1000.00} for each violation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: TX

Complaint narrative:
I have inquiries on my credit report that I did not apply for at all.

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 2024-09-17 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: TX

Complaint narrative:
I have inquiries on my credit report that I did not apply for at all.

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 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance One, Inc.
State: FL

Complaint narrative:
Someone called from ( XXXX ) XXXX and did not leave a message. I called them back and asked who was calling and what they were calling about. Call taker immediately had an attitude and refused to answer my question. I told them in that case they need to remove my number from their list. The call taker said I dont have any of your information and I said I will give you my number and you can take it off your list. To which the call taker responded with thats not how this works. She refused to remove my number after a clear verbal request and upon the information needed to fulfill the request being offered. I called a second time and spoke to a separate agent who gave out a full first and last name to me without any verification and I asked to be removed from their call list via phone number only and that I know I my rights granted by the federal government to make that reques, and have it honored. The second call taker did say she would remove my number this time without collecting any information from me except my phone number. This proves that it is IN FACT how this works. Call taker continued to talk about consequences and tried to manipulate me into giving up any other information. I disconnected the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: OH

Complaint narrative:
There number is XXXX they are collecting a debt on behalf of spectrum that was already charged off and wrote off meaning they were already compensated spectrum sold the debt to a debt collection agency and they were already compensated through the IRS. I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not to be confused with a citizen of the United States. The debt collection agency is harassing me and keep calling me and sending emails they havent sent proof of the original contract in wet ink at all I contacted spectrum as trustee of my estate with proof and theyve admitted to selling the debt to the collection agency I never had a contract with at all!! Please handle this fictitious pirate corporation on the record for the record all rights reserved UCC-1-308

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 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/year>2024, I discovered that my Chase account had been closed without any prior notice. I immediately called Chase customer service, and they assured me that the funds from my account would be returned within 10 business days after the account closure. All of my savings are in that account, which has created a difficult financial situation for me, as I am unable to pay my day to day living expense without access to these funds. 

On XX/XX/year>2024, Chase closed my account, again without any email or call notification, and I received a notification letter via mail on XX/XX/XXXX, informing me that my account had been officially closed. By this time, however, the account was already closed. 

My account summary from Chase received on XX/XX/XXXX shows that on XX/XX/year>2024, {$19000.00} was already drafted from my checking account and {$10000.00} from my savings account. I did not authorize these transactions, and despite the earlier promise, I have not received the funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as 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 non-monetary relief