vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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:
Following a storm that affected my area in late XXXX, XXXX XXXX offered their clients an opportunity to miss one months payment to help with repairs to their properties. They also wanted each applicant to select an option for how they will repay their missed payment. I selected the option of deferring my payment by extending my contract by one month for which XXXX XXXX approved. The following month, I went to make a payment as I normally would do, just to find out that XXXX XXXX is listing my account as delinquent by 30 day. I called and spoke to a customer service agent who promised to fixed the matter and give me a call back. That call back never happened and XXXX XXXX is still claiming that my monthly mortgage payment is one month behind. I tried to move my account to another mortgage company only to be informed that XXXX XXXX would not approve the transfer due to my payment being one month behind. Furthermore, I have learned that XXXX XXXX has reported my account as delinquent with the credit agencies contrary to my original agreement with XXXX XXXX that this would not be reported to the credit companies. I have also learnt that XXXX XXXX purposefully understate my escrow to commit me to a higher escrow in one year following my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XX/XX/year> Consumer Financial Protection Bureau To whom it may concern, I am writing to file a formal complaint against EXPERIAN regarding inaccuracies in credit reporting and improper debt collection practices related to my account, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ), U.S. Code 1692. XXXX XXXX XXXX  has been reporting inaccurate information to my Social Security number under the account XXXX. Specifically charging unauthorized fees that are not stipulated in the original debt agreement. This practice not only misrepresents my debt obligations but also reflects negatively on my credit history. Furthermore, I have received numerous calls from a law firm claiming to represent XXXX XXXX XXXX, offering various debt settlement amounts and terms that are inconsistent with what is listed on my credit report. These discrepancies have caused confusion and have raised concerns about the legitimacy and legality of their collection efforts. They are unlawfully requesting a one-day settlement making continuous calls. I am formally requesting that XXXX XXXX XXXX, and any third parties acting on their behalf, cease these unauthorized practices and delete the inaccurate information reported to the credit bureaus. Additionally, I ask that the collection agency provide clear and accurate information about the debt amount and terms, in compliance with FDCPA regulations, as they have not responded directly to any of my requests. Please confirm receipt of this letter and outline the steps your office will take to resolve these issues. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX 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 2024-12-13 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: LA

Complaint narrative:
I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these items be removed from my credit report due to their fraudulent nature. 
Accounts to be blocked and deleted : XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$2200.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$5100.00} Inquiries to be blocked and deleted : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I called XXXX on XX/XX/XXXX, XXXX and XXXX trying to find out why my credit report can be seen by vendors. On XXXX I was told my credit was frozen by the vendor. I called XXXX and was told my credit was not frozen. I called saturday to check again and my account was deactivated so I can start a new account and unfreeze my account. The vendor still cant see my credit report. I called again on XXXX and I was told I would receive a call to fixe the issue. I called back and then was told I have to wait days to get the issue escalated. I checked my experian and XXXX report and I can not see my report with them either. I am looking to use my credit but I can not due to this issue. Experian says my lenders may have different information from them but could not tell me how to find out what information they have and how to fix the issue.

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 2024-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have a Joint Consolidation Loan, have filed for separation, and have been granted eligibility for PSLF and XXXX time IDR adjustment. There have been no actions completed to separate my loan, no access to PSLF, XXXX representatives can not guarantee that this will occur ( XXXX # XXXX ). Misleading borrowers and failing to act violates consumer protection laws. The XXXX requires DOE to separate these loans but they have failed to do so. DOE promised borrower protections tied to Joint Consolidation Loans separation that have not materialized and will not make guarantees they will do so. They have had since XX/XX/2022 to separate these loans under the law and allow access to PSLF and IDR adjustment and have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
I am writing to formally request that the following inquiries be blocked and deleted from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that such information be removed from my credit file. 
Inquiries to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit file. Upon reviewing my credit report, I identified the following account containing inaccurate or unverifiable information : Account Details : Creditor : XXXX XXXX XXXXXXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged Off Past Due Amount : {$1000.00} Balance : {$1000.00} Last Payment Date : XX/XX/XXXX This reported charge-off and associated details are inaccurate and fail to comply with the requirements outlined in the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Additionally, as per 15 U.S. Code 1681i ( 5 ) ( A ) : 1. If, after a reinvestigation, disputed information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or modified.

2. The furnisher of the information must also be notified of any modifications or deletions to the consumers file.

I request that you reinvestigate this account and provide the following : Verification of the accuracy of this account, including any supporting documentation provided by XXXX XXXX XXXX. 
Evidence that the reported charge-off complies with FCRA standards, including the required notice and procedures. 

If the information can not be verified, I demand that it be removed from my credit report in accordance with 15 U.S. Code 1681i ( 5 ) ( A ).

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 2024-12-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Date : XX/XX/XXXX Subject : Formal Complaint Regarding Title Release Process from Chase Auto XXXX : XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against Chase Auto regarding the prolonged delay and lack of resolution in releasing the title for my vehicle after I paid off my lease in XX/XX/XXXX. The process has been extremely frustrating, and despite repeated attempts to resolve the issue, I have not received the title and have not been provided a clear explanation for the delay. 

Details of the Situation : Vehicle Purchase and Lease : I leased a vehicle through Chase Auto in XX/XX/XXXX. In XXXX, I moved to XXXX and paid off the car in full in XX/XX/XXXX. 

Ongoing Delays : Since paying off the car, I have contacted Chase Auto multiple times to inquire about the status of my title release. Each time, I was told to wait XXXX weeks, but the issue has never been resolved. 

Conflicting Information : Throughout the process, I have been told that Chase Auto is waiting for a response from XXXX XXXX XXXX XXXX and that this is the reason for the delay. However, after contacting the XXXX XXXX XXXX department directly, I was informed that this claim is inaccurate. According to the XXXX department, the issue has not been with them. 

Contact with XXXX XXXX XXXX XXXX XXXX I took the initiative to contact the XXXX XXXX XXXX XXXXXXXX on my own. They confirmed that Chase Bank contacted them on XX/XX/XXXX for assistance in issuing the title. However, they failed to follow the required procedures and submit the necessary application via email, as required by the XXXX department to process the title. 

Failure to Follow Procedures : I was further informed by the XXXX  XXXX XXXX department that Chase Auto did not take the appropriate steps to complete the title release process and only contacted them again on XX/XX/XXXX. This delay occurred after I personally requested that Chase Auto email the correct department.

Request for Resolution : This situation has caused unnecessary frustration and inconvenience. I am requesting the CFPB 's assistance in ensuring that Chase Auto follows through with their responsibilities and expedites the title release process. It is unfair that I have been subjected to endless delays and conflicting information. I would appreciate immediate action to resolve this matter and release the title to me. 

Please let me know if further information or documentation is needed to support my complaint. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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 2024-12-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I noticed an alert on my credit report stating that my Ashely furniture account had been closed with Sychrony bank. They also did the same with my Amazon card. Look, we need to look into a class action lawsuit against this financial institution. There is nothing on my account payment history wise, for either account Ashley furniture or Amazon, indicating the accounts needed to be closed. There were no missed payments on either account causing concern. People are free to use their line of credit however they want as long as the account is being paid. They agreed to extend me the lines of credit. If I'm paying as agreed, I'm not sure of the problem. We need to understand if what they are doing, closing the accounts without proper notification, is legal. If this is the case, financial initiations everywhere can just decide at leisure to close someone's line of credit no matter what. That is a breach of contract.

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 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I have XXXX charged off By Navy federal credit union. all in XXXX  I've reached out several times in regards to getting my XXXX because they charged them off. As well as sold the debt to XXXX collections companies which is not only illegal, How are they continuing to report something that's closed this is illegal. My Consumer Rights are being violated. They have also committed fraud against me the consumer and with the irs. 
XXXX : XXXX XXXX XXXX XXXX Reported balance : {$15000.00} XXXX XXXX Remarks : Charged off as bad debit, Canceled By credit grantor Type : Credit Card Account Status : Closed XXXX : XXXX XXXX XXXX XXXX Reported balance : {$10000.00} Opened:XXXX XXXX Remarks : Charged off as bad debit, Canceled By credit grantor Type : Credit Card Account Status : Closed XXXX : XXXX XXXX XXXX XXXX Reported balance : {$3000.00} XXXX XXXX Remarks : Charged off as bad debit, Canceled By credit grantor Type : Credit Card Account Status : Closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: IL

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.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: TX

Complaint narrative:
Resident Advocate LLC identifies themselves on phone calls as " helping the renter '' resolve outstanding debts with prior landlords. They DO NOT identify themselves as debt collectors on the phone, and when I raised that this time, they said " well it hasn't gone into collections yet, this is to avoid that, so I don't have to ID myself, but it will be there when you make the payment on the portal. '' Even if that is a loophole, what an absolutely heinous misrepresentation of being my " advocate '' but doing NOTHING but serving as a third party debt collector for absolutely ridiculous charges by my former landlord. As a lawyer, I am very offended that this entity gets to use the word " advocate '' in their name. They are not. They are a debt collection mill for XXXX landlords pushing bills too insignificant for their renting population to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: MS

Complaint narrative:
TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES IN THE DATE OF LAST ACTIVITIY. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. ( XXXX XXXX ) ( XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: MS

Complaint narrative:
TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES IN THE DATE OF LAST ACTIVITIY. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. ( XXXX XXXX ) ( 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 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a call allegedly from the XXXX XXXX Department alerting me to some type of fraud. They sent me a code via text to verify my identity. They requested that I read them the code they sent. The person said they would take care of everything and contact me again the following week. I hung up and called my son because I was concerned about the call. My son immediately recognized this as a common scam and checked my Citi account online. We saw XXXX fraudulent charges for a total of {$500.00} which were pending. We immediately contacted Citibank and explained the situation and filed a fraud charge. We also attempted to file a claim with XXXX but they said I must deal with my bank. Citibank issued provisional credits and all was well until I received this letter. 

Again, I did not authorize these charges to XXXX. I did not use my phone or any other device to make these charges and I had my ATM card in my possession at all times. I notified Citibank immediately and before those funds were actually transferred out to the scammers. What else could I have possibly done? 

I am XXXX XXXX XXXX and I live on my XXXX XXXX which Citibank was made aware of. Although I filed an appeal the day I received their notice of denial, they took my money anyway. I need assistance with this.

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 2024-12-13 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: CA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation