vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 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: CA

Complaint narrative:
Dear Equifax I noticed that my credit score dropped. I checked my credit report and noticed multiple inquires on my credit report. I authorized a few of them but some of them I did not authorized. I read the Fair Credit Reporting Act, and it stated that a company needs a permissible purpose to pull someones credit report. Well I did not give the company below that permission. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX  : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

I have also sent a letter to the furnisher asking them why they have pulled my credit report without my permission. Im waiting for their response. While waiting for them, Im asking you to honor the law and delete these inquires. 

Help please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to seek guidance and assistance regarding a challenging legal situation involving a debt collection case that has become a significant burden for me. 
The case is located in XXXX XXXX, with the case number XXXX between XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. My court date is scheduled for XX/XX/XXXXXXXX 
In XX/XX/XXXX, I obtained a personal loan of {$12000.00} to start a business venture. Regrettably, unforeseen circumstances such as contracting XXXX in XX/XX/XXXX and the subsequent vandalism of my store on XX/XX/XXXX severely impacted my business and finances. As a result, meeting the regular loan payments became unmanageable. 
Despite my efforts to resolve this situation, the strain of these unexpected events, compounded by my status as a student, has made it increasingly difficult to navigate the debt collection proceedings. Due to my low income, I am presently unable to afford any payment or establish a payment plan. 

Enclosed, please find supporting documentation, including medical records, evidence of the business downturn due to the pandemic, and documentation related to the vandalism incident. 
I kindly request your office 's guidance, advice, or any available resources that may assist individuals in similar circumstances dealing with debt collection cases. 
Your assistance in identifying potential solutions, providing guidance on consumer rights, or offering resources to address this situation would be immensely appreciated during this challenging time. 
Thank you for your attention to this matter, and I look forward to any guidance or assistance your office may provide. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: CA

Complaint narrative:
The SAVE repayment plan promised to remove unpaid interest from accounts that were in good standing so that interest is not capitalized and balances dont grow. 

This is not happening. 

Unpaid interest continues to accrue even after I have met my monthly payment requirements. 

After contacting my service provider, XXXX, they said they have not heard from the Department of Education when or if this unpaid interest will be resolved.

The SAVE plan is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: CA

Complaint narrative:
Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CrossCountry Mortgage LLC
State: AZ

Complaint narrative:
Contract we signed with Cross Country Mortgage states payments during construction phase and first year may go as high as {$1200.00} and second year as high as {$2500.00}, years XXXX {$2400.00}. Most recent bill is {$1700.00}. The house is not complete. It is still under construction. It is still year 1. We have not assumed possession. We based our ability to buy this new residence on the quotes given us for monthly payments. Cross Country Mortgage is denying responsibility for the quoted rates stating is your agency that insisted they include the figures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: VA

Complaint narrative:
XXXX  Account # XXXX THIS ACCOUNT IS NOT MINES, I NEVER SIGNED A CONTRACT WITH XXXX XXXX  XXXX XXXX THEY ARE IN VIOLATION OF MY PRIVACY FOR USING MY INFORMATION THIS ACCOUNT NEEDS TO BE DELETED DUE TO ITS INACCURACY & UNFAIRNESS. 

IN VIOLATION OF MY PRIVACY FOR GIVING MY INFORMATION TO A THIRD PARTY PLEASE REMOVE THIS ACCOUNT IMMEDIATELY

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 2023-12-08 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: ENCORE CAPITAL GROUP INC.
State: LA

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. I told XXXX, XXXX, and XXXX to investigate these accounts as well as the SEVERAL hard inquires that should not have been did from XXXX XXXX on my XXXX XXXX Name/number- XXXX Cred # XXXX on all 3 credit reports XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXXXXXX and XXXX report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 
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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: Possible Financial Inc
State: LA

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 XXXX XXXX XXXX. I told XXXX, XXXX, and XXXX to investigate these accounts as well as the SEVERAL hard inquires that should not have been did from XXXX XXXX on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 
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 accurate.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Deposit from a property sold were deposited on my checking account XX/XX/XXXX. This funds are coming from an escrow account from a title company. Chase bank did not verified this funds after I tried many times to provide the information to them. The amount was {$50000.00}. No funds were available and today is day XXXX. I am using the money to do a treatment for my daughters XXXX and they have not provided even a partial release. I cant wait for the funds until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a letter from Wells Fargo dated XX/XX/2023, 5 years after I closed my account with them. 

I called the number on the letter provided and it was a robot and was not Wells Fargo. 

I called the real number for Wells Fargo and got a hold of a customer Service person. When I called them to ask about the letter they stated the letter is legitimate and that I need to just deal with what they opened. They enrolled me in ID theft protection without my consent or authorization. They refused to close the account or provide any sense of remediation. When I explained to them that the number provided on the letter was fake and a robot, they stated I needed to call that number back to confirm all my information with the fake 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 2023-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The apartment community for my daughter reported a debt not owed to collections. I was advised they they had already asked that it be deleted from both our credit reports. I called collections and was told that they already sent the request to delete it fromour reports. The credit reporting agencies are still showing it on our reports. This is the account in question : XXXX XXXX Reported : XXXX XXXXXXXX XXXX  {$340.00} Ialso noticed the following unauthorized inquires are showing as hard inquires on my personal report : I also noticed the following unauthorized inquires : XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX US DEPARTMENT OF EDU Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/

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 2023-12-08 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SS # : XXXX Date of Birth : XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. The List of items attached below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX File Number : XXXX Unauthorized Credit Inquiries Reported by TransUnion : To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized credit inquiries that have been reported by TransUnion on my credit report. I have recently obtained a copy of my credit report on XX/XX/XXXX and was alarmed to find inquiries that I did not authorize. Details of the unauthorized credit inquiries are as follows : 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 XX/XX/XXXX These unauthorized inquiries are severely impacting my credit score I have taken the following steps to address the issue : Contact with TransUnion : I have contacted TransUnion to dispute the unauthorized inquiries, but they said they acknowledge that these inquiries are unauthorized but can't remove them until a FTC report is filed. I am requesting the Transunion take appropriate action to rectify the unauthorized inquiries 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 explanation
Consumer complaint received 2023-12-08 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: OH

Complaint narrative:
I, XXXX XXXX XXXX, am writing to bring to your attention a significant matter regarding my credit profile. Over the past three years, I have fallen victim to multiple instances of identity theft, resulting in numerous compromised credit accounts. In response to this unfortunate situation, I have taken necessary steps to notify all credit services and creditors to cease reporting these accounts on my credit profile. Additionally, I have filed an FTC report as supporting evidence.

Regrettably, the continued reporting of these compromised accounts on my credit profile has left me with no choice but to pursue legal action against the credit services involved. It is important to note that individuals and entities persisting in reporting these fraudulent accounts may potentially be named in the pending lawsuit for violating the Fair Debt Collection Practice Act. 

Therefore, this correspondence serves as an official notice urging the immediate cessation of reporting any fraudulent accounts listed. I hope for your cooperation in rectifying this matter promptly. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CO

Complaint narrative:
Every time I try to make a large payment on my card ( {$1000.00} ) The payment never goes through. It takes about a week for me to get an email stating the payment was declined. On XX/XX/XXXX I made a payment and on XX/XX/XXXX received an email from US Bank stating that the payment was posted and then a week later received an email stating it didn't go through. Same exact situation on XX/XX/XXXX, made payment and XX/XX/XXXX was sent email stating it was posted and a payment reversal was done on XX/XX/XXXX with no notification ( this doesn't seem to be an option ) and I received an email that my payment is past due on XX/XX/XXXX. Again, happened on XXXX, posted XXXX payment was reversed on XXXX and I was notified on XXXX that my payment was past due. Happened in XXXX & XXXX after I realized I was not getting notified my payment was even due. They charge absurd amounts of money for all of these issues and this is 0 % interest until XXXX Well, so they say.

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 monetary relief
Consumer complaint received 2023-12-08 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: TX

Complaint narrative:
Reached out to credit bureau about these accounts and they have not taken any action. They have responded that they needed proof of identity on XX/XX/XXXX, which was provided and attached to this complaint. While reviewing a copy of my credit report XXXX I discovered some inaccuracies in my personal information. I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable and unvalidated and inaccurate. I mailed numerous letters and copy of FTC report XX/XX/XXXX and did not get a response or negative accounts removed

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