vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently discovered that unauthorized credit applications were made in my name, severely impacting my credit and lowering my score. I contacted Equifax, and a representative assured me that these fraudulent inquiries would be removed. However, despite their assurance, these inquiries still remain on my credit report. This situation is causing me significant stress and concern, as the presence of these inquiries suggests potential identity theft and continues to harm my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Per the FCRA all claims SHALL BE OF A MAXIMUM POSSIBLE ACCURACY and of a MAXIMUM POSSIBLE COMPLETION, and for any specific account type the regulation states exactly that furnishers are governed by the FURNISHER RULE ( Regulation V promulgated by the CFPB under the FCRA ), which requires furnishers to : ( 1 ) furnish information that is accurate and complete, and ( 2 ) investigate consumer disputes about the accuracy of information they provide. The following currently reported claims of inquiry are appearing to be deviant from the mandatorily perfect regulatory and standard of adequate lawful reporting of consumer reporting. 

XXXX XXXX XXXX XXXX XXXX Closed NEGATIVE Other/Unknown Accounts CHARGEOFF/COLLECTION-related accounts. 

XXXX XXXX XXXX -- XXXX XXXX Mixed NEGATIVE Other/Unknown Accounts CHARGEOFF/COLLECTION-related accounts *XXXX XXXX XXXX XXXX XXXX Mixed NEGATIVE Other/Unknown Accounts CHARGEOFF/COLLECTION-related accounts *

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 2024-11-27 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:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
I am not liable for this debt of {$590.00} with EASTERN ACCOUNT SYSTEM INC ... .. Account Number XXXX I do not have a contract with EASTERN ACCOUNT SYSTEM INC , they did not provide me with the original contract as i requested with my signature and ID verification. 




EASTERN ACCOUNT SYSTEM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Dear EASTERN ACCOUNT SYSYTEM INC, Re : XXXX XXXX XXXX I am continually being called on the telephone by your firm over this alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. 

I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you stop contacting us on the telephone and restrict your contact with us to writing, and only when you can provide adequate validation of this alleged debt. 

To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation : Complete payment history, the requirement of which has been established via XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 

Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX  XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Intimate knowledge of the creation of the debt by you, the collection agency. 

I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 

I look forward to an uneventful resolution of this matter. 

Thank you for your time, XXXX 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 2024-11-27 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: CA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond 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 2024-11-27 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: CA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond 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 explanation
Consumer complaint received 2024-11-27 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: NY

Complaint narrative:
I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.

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 2024-11-27 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: NY

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-11-27 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: NY

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

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 2024-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My FHA loan was sold to a company called loancare about a week after I closed in XXXX. A company called new rez purchased my loan from loan care around XX/XX/XXXX. In the summer of XXXX my insurance needed renewing and apparently new rez never received it. My insurance company sent my insurance renewal notice to loancare, who ignored it, and new Rez never reached out to my insurance for an update Policy. 
I assumed my policy would renew as it had so many years previously so I continued paying my escrow. 

New Rez decided to give me their own insurance which was about 5x more expensive that what I had. They charged me around {$1700.00} for their insurance. I found out my insurance lapsed because a collections agency called me saying I owed a fee to nationwide that went unpaid. That same day I found out what was going on I purchased new Insurance.

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 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On the XXXX XXXX site, the credit card is shown and says if you apply for the credit card you can get XXXX dollars credited to your statement if you sign up now. I was booking my flight so I applied for the credit card and it said I was approved, but didn't send me a temporary account number. I logged on to Citibank, which showed 11 X 's and my last 4 digits to a credit card. I called Citibank to use the card to get my flight ( flight prices change daily and during the day ). They first said they couldn't find my information and then they said it would a few days until the credit card was processed. I hung up and then called them again to cancel. They said I couldn't cancel the card because the card was being processed. I can't use the card to buy the ticket and get my XXXX dollars off and when I cancel the card my credit score will go down. Today is XX/XX/XXXX and I applied for the card at about XXXX pm.

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 2024-11-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
These are two gift cards from my former employer XXXX XXXX XXXX. One is for {$200.00} and the other is for {$300.00}. I wanted to check the balances online and their website keeps saying " unexpected error '' and so I can't check the balances. So I called a few days ago ( phone number on back of cards ) and asked for my balance and they wont give it to me. They kept passing me off to different people and phone numbers, none which answered my question. Then they said the want to do an investigation which will require personal information and I don't feel comfortable giving them ( it's a gift card, not a credit card! ). I then tried to use the cards and neither of them work. So I'm stuck with {$500.00} worth of cards that I can't use, nor can I get any information from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TN

Complaint narrative:
Incorrect hard inquiries have been added to my credit record. Resolve this under 15 USC 16c-2.

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 2024-11-27 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: CA

Complaint narrative:
I recently reviewed my credit report on XX/XX/XXXX and noticed an account XXXX that was not reporting accurately. I have one missed payment in XX/XX/XXXX reporting XXXX days late that in fact was paid on time and never missed. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a proof of my address and a copy of my identification card I'm now requesting you investigate this account and update these payments to never missed and paid on time immediately. Thank you for your understanding and prompt action.

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 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I understand how frustrating and inconvenient this situation must be for you. Here 's a draft of a formal complaint email to Chase regarding your issue : -- - **Subject : Urgent : Resolution Required for Unjustified Account Hold** I have been a Chase credit card customer for over 10 years. Throughout this period, I have consistently paid my card on time, and funds have always been successfully deducted from my bank account without any issues. 

On XX/XX/XXXX, I decided to pay my credit card balance in full. This transaction was confirmed and processed by my bank on XX/XX/XXXX. On the same date, I attempted to use my card to purchase a plane ticket to visit my family for the holidays. However, I discovered that my account not only had a zero balance but also had zero available credit. 

Upon contacting customer service, I was informed that my account had been placed on hold due to an " unusual payment amount. '' While Chase has had no problem accepting smaller payments from me in the past, it is concerning that paying my balance in full has resulted in a hold on my funds until XX/XX/XXXX, with the only explanation being that my account was flagged for unusual activity. 

The funds have been transferred from my bank account, and their validity has been confirmed. This hold is causing significant disruption to my travel plans, and I find this situation completely unacceptable. 

I kindly request an urgent review and resolution of this matter, as I need access to my credit to proceed with my holiday travel plans. Please advise on any additional steps I need to take from my end to expedite this process. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: AZ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: AL

Complaint narrative:
I open a XXXX  account with a line off of {$750.00} credit limit on XX/XX/XXXX I paid it off on XX/XX/XXXX I open another account with XXXX around XX/XX/XXXX of XXXX. They reported late payments on that account. Ive been back-and-forth with them over a year to correct their mistakes and try to close the account and get a refund. They refused to refund my money they refused to correct the mistakes on that account, and still in accurate information destroyed my shoppers cart and my reputation for my credit worthiness reporting app. I also been going back-and-forth with Equifax experience and now XXXX on an FRCA 15 USC 1681. I am due for an accurate credit report experience Equifax and XXXX XXXX help open a different open dates different closes dates last reporting dates different dates of last activity late payment dates is different on all three and Im sitting pictures so you can see for yourself which is a violation of my rights, Ive been disputing this. They failed to comply with the laws on the FCRA as their duty to correct the information on my credit report which after 30 days it have to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: AL

Complaint narrative:
I open a XXXX account with a line off of {$750.00} credit limit on XX/XX/XXXX I paid it off on XX/XX/XXXX I open another account with XXXX around XX/XX/XXXX of XXXX. They reported late payments on that account. Ive been back-and-forth with them over a year to correct their mistakes and try to close the account and get a refund. They refused to refund my money they refused to correct the mistakes on that account, and still in accurate information destroyed my shoppers cart and my reputation for my credit worthiness reporting app. I also been going back-and-forth with XXXX experience and now XXXX on an FRCA 15 USC 1681. I am due for an accurate credit report experience XXXX and XXXX XXXX help open a different open dates different closes dates last reporting dates different dates of last activity late payment dates is different on all three and Im sitting pictures so you can see for yourself which is a violation of my rights, Ive been disputing this. They failed to comply with the laws on the FCRA as their duty to correct the information on my credit report which after 30 days it have to be deleted.

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 2024-11-27 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: TX

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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