vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aldridge Pite, LLP
State: AK

Complaint narrative:
Clear Recon Corp filed on XX/XX/XXXX a non judicial notice of default and sale on my home with a 10 years old stated default date on XX/XX/XXXX, years time-barred past the Alaska statute of limitations on mortgages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX and XX/XX/XXXX also XXXX and XX/XX/XXXX shows late payments when there are on time payments prior to and after those month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC
State: MI

Complaint narrative:
This is a file you did XXXX!! World wide assessment LLC!! I discover they have the wrong credit card number ending XXXX!! I call XXXX  and they told me you only have two cards ending XXXX and XXXX and call XXXX XXXX XXXX! And put it on 3 way!! I can talk to XXXX XXXX and worldwide!! We settle your account and we didnt sell your account to anyone!! So how worldwide have my account!! They stole my account from XXXX XXXX when I thought they close in XXXX!! So worldwide had been Garnishing my way since XXXX And ruined my life and gave me a XXXX XXXX XXXX thanks in advance miss XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I sent TransUnion a certified letter XX/XX/XXXX. I have not received any response, yet they have updated the comments on my credit report as " dispute resolved, customer disagrees ''. 

First off- there was no investigation done. Had there been an investigation, I would have been notified and they would have corrected the issue on my dispute letter. 

They are reporting this account and the account is an expired debt- Which is is paid and closed. 
There are multiple FCRA Violations - 1 ) they are reporting a closed account with a two year history of over 7 years old- this needs to be removed. 2 ) they are reporting the payment status as " late 120 days '' - REMOVE this its paid and closed. 3 ) They have a " last payment date '' as XX/XX/XXXX, however they are reporting on time payments in XXXX and XXXX. 
This account is OUTDATED, INCOMPLETE and INACCURATE. 
And they lied and marked the account as " Dispute resolved " when they did not do any investigation.

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 2022-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Simpson Law Firm, P.A.
State: MS

Complaint narrative:
I received a garnishment taken from my paycheck in the amount of {$390.00} to an old account from back in XXXX. I contacted the loca company, which sent me to the cooperate office & was told I wasnt in their system as owing them anything but to contact their partner which was a law firm. After speaking with the law firm I was told that I would be reached & wasnt. Ive made several calls & emails to the company. I had a total garnishment of {$1600.00} which I have documentation of it being paid which includes the attorney fees, court cost as well as the total amount from the company. After I kept calling the loan company neither of our payments added. Ive written the home office & went to the local office which had made calls on my behalf & gave me a number & extension of who to speak to. Well after finally speaking with him I was told that Im paying 35.75 % interest on the garnishment which was paid out in XXXX. I went to our local courthouse who re-opened the case back in XX/XX/XXXX because the law firm seems to be saying to them the debt wasnt settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
My family had XXXX and I had applied for help with my mortgage through the forebearance program offered by village capital. They told me the government was offering assistance due to XXXX. They approved me for a Covid forebearance/fha partial claim from XXXX of XXXX through XXXX of XXXXThey told me that the payments would not show on my credit report as late because I was in a forebearance. I spoke with someone on XX/XX/XXXX and again they stated since I was in forbearance the late payments would not show up on my credit report. On XX/XX/XXXX, village capital reported on my credit bureaus the payments from XXXX of XXXX through XXXX of XXXX as late. I filed a dispute with the lender on XX/XX/XXXX for the late payments. Village capital is refusing to remove the late payments from credit reports. I have a letter from them stating I was in forebearance for the months of XX/XX/XXXX through XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
What happened on XX/XX/2022, was that I fell for a death threat scam in which I got really scared to the point I send them XXXX through 6 XXXX transactions. On the same day this was happening, I called 911 and file a police report to an officer in person and show him the numbers of the person that was calling me and the text messages and XXXX transactions that took place. The Police confirm that these were scammers and were from different countries using fake numbers. The next day on XX/XX/XXXX I reached out to both XXXX and Chase and filed a claim on those 6 XXXX  transactions, however both companies refuse to comply with my claims and close it the same day on XX/XX/XXXX. They refuse to do it because they say I authorize it and its your fault because you confirm these payments. However I confirm these payments under fear and acting instead of thinking on my part. On XX/XX/XXXX, I went a local Chase bank and the lady there fax my police report to them. Till then as of XX/XX/XXXX, I have not recieve a call or text messages about these claims, which is why I reach out to you guys as of right now. Both numbers start with XXXX and XXXX. However I blocked and ended up automatically deleting their text messages they send me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: CA

Complaint narrative:
I called Experian after I purchased a credit report from Experian.com on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my XXXX Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.

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 2022-05-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was checking my credit report about back in XXXX of 2021 and noticed that there was an open account with American Express and showed authorized user, which is an account I had no knowledge of. I only have one credit card account. On my report it shows that it had a current ongoing balance of around {$11000.00}. I would like to have this account removed from my credit report as this is not my account and I believe its possibly fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there was an Account : XXXX XXXX  XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts is inadvertently resulting in me being extorted.

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 2022-05-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: MN

Complaint narrative:
XXXX XXXX  unknowingly signed me up for classes Now I am being harassed by a different bill collector every day, claiming I am a student at XXXX XXXX XXXX XXXXXXXX campus and that I owe them money, I have never even applied for admissions there. 

Illegal debt collecting practices : -- -Taken away my right to find out if the debt is legitimate by constantly switching the debt collector so far there's three and two days that have contacted me this week. Also I can not find any student enrollment information as XXXX XXXX  is gone and I never applied or was enrolled in Arizona. 

-- - The calls, the emails, and the letters keep coming. This week 3 different collectors in 2 days. This new " phantom debt from XXXX that just appeared this week. I work nights this is very taxing on me to have to wake up to debt collectors phone calls. I'm constantly sorting through emails and letters that is being sent to me from unknown people with an unverified debt. I'm doing my best to track down this debt and I have to stay up at ours that I'm normally asleep to contact people. 

-- the deck collector is saying that in XX/XX/XXXX I was enrolled in XXXX XXXX XXXX  XXXX campus and signed up for an XXXX  class and then dropped it. There's no record whatsoever of me ever being enrolled or applying and XXXX XXXX XXXX XXXXXXXX campus. XX/XX/XXXX I was fully enrolled in XXXXXXXX XXXX XXXX XXXX and using FASA loans. 


I got scammed from a fake university called XXXX XXXX  that was claiming that my FAFSA would cover the classes. That was not the case. Here is the lawsuit see the link at the bottom " XXXX XXXX judge fines ex-owner of XXXX XXXX  $ XXXX for bogus admissions tactics '' I had signed up for one class that I was going to transfer to XXXXXXXX XXXX XXXX XXXX where I have been since XXXX anXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX After I signed up for the class they told me I was gon na have to pay cash after I started attending so I said I'm not taking any more classes I won't sign up for anymore. I finish the class and pay the debt in the company went under. It got sold to XXXX XXXX XXXX  XXXX campus. I called that new campus to make sure I didn't have any outstanding debts from the scam. I also called to see if I can't get my transferred credits via use of my transcripts which they did not have or any information on me whatsoever. 






Here is the link to the ruling XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent XXXX/TransUnion/XXXX  a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded stating that they " verified '' this item through XXXX XXXX. I then went to XXXX XXXX to dispute the item in question and XXXX XXXX was not able to verify the bankruptcy, so they deleted it from their database. 

Then again on XX/XX/XXXX and XX/XX/XXXX, I sent another letter to all 3 credit bureaus and showed them the deleted bankruptcy from XXXX XXXX as well as letter from the courthouse stating they do not report to any agency. The letter is also informing them that if they could not verify how the item was verified, then it needs to be deleted according to the FCRA. Once again, they refused to delete this item which is hindering my ability to purchase a home and causing me to pay thousands more in interest per year. 

Since XXXX, I either got no response to my inquiries or a generic " account is verified '' with no explanation which I ask them to refrain from. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.

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 2022-05-26 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: NJ

Complaint narrative:
On XX/XX/XXXX I sent XXXX/XXXX/Equifax a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded stating that they " verified '' this item through XXXX XXXX. I then went to XXXX XXXX to dispute the item in question and XXXX XXXX was not able to verify the bankruptcy, so they deleted it from their database. 

Then again on XX/XX/XXXX and XX/XX/XXXX, I sent another letter to all 3 credit bureaus and showed them the deleted bankruptcy from XXXX XXXX as well as letter from the courthouse stating they do not report to any agency. The letter is also informing them that if they could not verify how the item was verified, then it needs to be deleted according to the FCRA. Once again, they refused to delete this item which is hindering my ability to purchase a home and causing me to pay thousands more in interest per year. 

Since XXXX, I either got no response to my inquiries or a generic " account is verified '' with no explanation which I ask them to refrain from. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: SC

Complaint narrative:
chase has violated me several times during my 5 month journey the main concern was Chase closing and blocking my account which caused me no access to any funds for 3 weeks costing me a job, car insurance license being revoked to, causing my mortgage to get behind and also costing my child support to also fall behind then violating the whole system in general by not giving me a temporary credit on a claim that was made before they close my account during a live dispute and also made me a cancel a dispute where my card was closed for fraudulent activity but when i tried to dispute two charges that i did not commit on XXXX and XXXX for XXXX that i did not make a superviosor name XXXX XXXX not allow me to dispute the 2 fraudulent transactions they stated a since the transaction were dont I had to make them yet this accoutn was closed because of fraud on this card yet durnign that tiem whey would not allow me to receive temporary credit when i when i should have been given a temporary credit when it was filed because the card was lost/stolen and the account was compromised ... and they were not supposed to close my account during a disupute nor would chase allow me to dispute those XXXX XXXX transactions that i did not make, they called me a lier and refussed to accept the fact that i did not make the transaction they woudl not allow me to be rewareded a a claim from XX/XX/XXXX that was not researched because i had receive 2 of the credits when three were filed at one time during this lost of card.. they made cancel 1 claim in order to get assitance on the other when i had nothing to do with either transaction... .atm number was not entered if so then it was compromised but these woudl not allow me to file a claim and they closed by account while a claim was in process and i just could not wait to writ cfpb ..please assist me with me my money since i am out of a job car and house .....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I have received non-stop harassing calls from this number about debt collection daily, sometime multiple times. This has given me XXXX  with my phone constantly ringing sometimes at the most inconvenient times. Its a burden thats constantly hanging over my head Ive been contacted so much. Every time they call and leave a message I want to cry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: NY

Complaint narrative:
I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these account be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation