vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Part of the fair credit reporting act 15 USC states consumer credit reporting agencies exercise their responsibility with fairness, impartiality, and a respect for consumers right to privacy. 

The XXXX credit bureaus are consumers reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared. Which is back by 15 USC 6801. 

It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers non public personal information Those reporting agencies do not have my consent or my written consent. Any and all consent, whether verbal, non verbal, written, implied or otherwise is revoked. 

15 USC 6802 states a financial institution may not disclose non public personal information to a non affiliated unless the consumer is given an explanation of how the can exercise that non disclosure option.

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 2024-04-26 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: AR

Complaint narrative:
According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX account # ****, also Experian and XXXX shows a different account # which is # XXXX ) I am Attaching identity and proof of address.

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 2024-04-26 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: OH

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: GA

Complaint narrative:
I look at my credit report and notice XXXX ACCOUNT # XXXX WHICH SHOULD NOT BE ON MY CREDIT I HAVE NO CONTRACT WITH THIS COMPANY. I ALSO NOTICE INACCURATE DATA. ALL THREE CREDIT BUREAUS SHOULD REPORT THE SAME. 
XXXX FROM XXXX IS XXXX info Address XXXX XXXX XXXX XXXX, TX XXXX EQUIFAX ADDRESS IS Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I look at my credit report and notice XXXX ACCOUNT # XXXX WHICH SHOULD NOT BE ON MY CREDIT I HAVE NO CONTRACT WITH THIS COMPANY. I ALSO NOTICE INACCURATE DATA. ALL THREE CREDIT BUREAUS SHOULD REPORT THE SAME. 
1.ADDRESS FROM EXPERIAN IS Contact info Address XXXX XXXX XXXX XXXX, TX XXXX XXXX ADDRESS IS Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX Phone number

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 2024-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-26 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-26 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: GA

Complaint narrative:
I have received your computer -generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency.Not only do I believe this is a stall tactic on your part to grant you a additional 30 days to comply with my original requests, but I believe it to be blatant violation of the FCRA.I must express my deep dissatisfaction and disappointment I cant experience my credit with continued negligence displayed by your company in addressing these inaccuracies present on my personal credit report .Despite my numerous letters requesting a through investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears.It is important for you to understand by law, you are required to take immediate action upon receipts of such requests.Your credit reporting agency has been reporting has been reporting inaccurate and incomplete account information to my credit file. I am disstressed that these referenced inaccurate account are on my credit file your credit reporting agency have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and ay be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), your reporting agency may be liable for alse reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code XXXX - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the noncompliance continues. Like, XXXX XXXX Trans Union CorpXXXX, No. XXXX ( C.D.Cal. 
XXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), they may be liable for false reporting. By law these should be deleted immediately off my personal credit report I even call the credit reporting agency and they told me they pay some type of subscriber code so because they pay it yall can keep it very unlawful n thats the reason why its verified thats very corrupt and is not still complying with the law or listening to me yall should be ashamed to be doing this to me Im on a fixed income n about to be homeless because of your careless mistake please remove in 4 buisness days or I will seek ligation.

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 2024-04-26 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 am writing to formally dispute the presence of unauthorized inquiries on my credit report, which are continuously impacting my creditworthiness. These inquiries were made without my consent or knowledge, and I request their immediate removal from my credit report. 

Upon reviewing my credit report, dated XX/XX/2024, I discovered several unauthorized inquiries listed under the " Inquiry '' section. I did not authorize any individuals or entities to access my credit report for the purposes of initiating credit applications or inquiries. Therefore, the presence of these inquiries is not only unwarranted but also damaging to 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 non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
This account was open fraudulently and without my knowledge and Ive requested from the company to provide ID presented at point of sale and signature on original contract matching the ID presented at point of sale company still havent provided both. How can credit be obtained or used with ID and if ID was presented then a copy should be available. I would like for this account to be deleted and removed from all XXXX credit bureaus XXXX, XXXX and XXXX IMMEDIATELY INDEFINITELY thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: NC

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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 recently checked my credit report and found this fraudulent account, please remove this account from my credit report. It's hurting my chance to get 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 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This is about Chase Bank Checking Account # ending with XXXX. We were informed by Chase Bank that the Checking account will be closed due to suspicious activity. We were with chase bank since 2008 and has always been good standing with respect to adequate funds maintenance and fantastic audit trail of our transactions. When we enquired at the centralized Customer Care of Chase Bank and at the Chase Branch Manager at XXXX, GA XXXX location no information was provided the reason for which this account was closed. In our opinion the account closure was based on the guidance of XXXX XXXX ( XXXX  ) software of Chase Bank. I strongly believe that heavy reliance on XXXX  software to monitor transactions overseen by decision-makers who don't know individual customers. Also, it is believed outdated rules used to determine which transactions are suspicious. We were not contacted by the bank nor inquired about a specific transaction which are considered suspicious. Without going through proper diligence chase bank decided to close our bank account which caused us extreme hardship. This is strong case of inadequate controls were placed by Chase Bank to monitor/ review the transactions and incorrectly closed our checking accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-26 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: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : 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 2024-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: NJ

Complaint narrative:
On XX/XX/2024, I noticed that {$8000.00} was taken out of my escrow account for 'homeowners insurance disbursement '. This made no sense to me, as my homeowners insurance renewal letter said that my bill for next year was about {$1300.00}. My bill for this current year was around {$1200.00}, and my coverage options did not change and I do not live in an area with expected dramatic increases in insurance premiums. Obviously, this charge left my escrow with an extremely large deficit. I tried to contact United Wholesale Mortgage ( UWM ) to fix this issue. First, I tried speaking with an agent on the online chat function. The first agent cancelled the chat without a resolution and I had to try again. The second agent told me that my insurance company XXXX XXXX sent them a bill for {$8000.00}, and I must contact them to fix the issue. I then called XXXX XXXX, and I spoke on the phone with an agent. She told me that our bill was for {$1300.00}, and she even had proof that XXXX sent the right information to UWM. Furthermore, she wanted to start a conference call with UWM to fix the issue. We called UWM, only to get an automated robot who refused to send us to a live representative. Basically, UWM is starting the process to move our mortgage to XXXX XXXX effective XX/XX/2024. Unfortunately, their customer service line to our account was already shut off despite it being before XX/XX/2024. We could not get in contact with a live person because UWM did not code for the possibility that someone would need to speak with a live person as they transition the account. I had to go back to UWM 's live chat. I spoke with a rather rude agent, and I asked for a phone number to speak with a live person in order to conduct the conference call. She refused to give me any number. Instead, she once again said XXXX XXXX sent the wrong bill. We had to go on a 3rd party website to put our insurance paperwork in the system. Although it has only been one day, we have not gotten any word from UWM about how they plan on rectifying this immense escrow shortage given that our account with UWM will end soon. Additionally, our escrow evaluation is coming up soon and we can not afford our mortgage with an almost {$7000.00} escrow shortage. I am complaining as I find UWM 's customer service through the phone and chat to be completely unacceptable. Additionally, I find an error to such an egregious degree to be unacceptable. I find it ridiculous that a company will not question a mortgage insurance increase of {$7000.00} for a {$300000.00} house in NJ. This should have set off alarm bells for potential fraud or a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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 am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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 am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.

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 2024-04-26 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: VA

Complaint narrative:
These accounts are reporting fraudulently. This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: IL

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to {$1000.00} for each erroneously reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: IL

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to {$1000.00} for each erroneously reported item on 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 2024-04-26 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: GA

Complaint narrative:
I am writing to the CFPB to request the XXXX XXXX account be removed from my credit reports due to inaccurate information. 

On XX/XX/XXXX, I reviewed my credit reports and noticed XXXX XXXX was reporting two different last activity/account closure dates. 

XXXX reporting the account closed XX/XX/XXXX and XXXX reporting the account closed XXXX XXXX, a 30-week difference. 

I disputed the accounts to XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. 
The results returning for XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. 

Despite both bureaus conducting investigations, the disputed information remains the same while other account information was changed. Which begs the question, is this information true and correct? 

According to 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) 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.

According to 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I am in the process of purchasing a home for my family and having this incorrect information on my credit reports is hurting me. Please remove this inaccurate information from my credit reports as soon as possible.

Company response to consumer: Closed with explanation