vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
A hacker has been impersonating me, sending emails from my business email account and requesting that my clients and vendors send payments directly to their Chase Bank and XXXX accounts. 
I have been in contact with Chase Bank multiple times and they are not doing anything to help. 
Hacker is acting as my business and asking that clients and vendors make payments to the XXXX bellow accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Checking Account Number : XXXX Routing Number : XXXX Name on the account : XXXX XXXX ( not sure of spelling ) Phone number listed by hacker : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NC

Complaint narrative:
I am writing to inform you thati have been a victim of identity theft.i have identified accounts on my credit report that are reporting inaccurate fradulent negative and outdated which have caused significant harm to my creditworthiness and financial health. Under the Fair Credit Reporting Act Section 623 ( a ) ( A ) i have the right to dispute and request removal of fraudulent negative outdated and inaccurate information on my credit report. The Fraudulent accounts indentified on my report is : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. FRAUDULENT Inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX i believe that my information was exposed during several significant data breaches that have occured since 2016, including XXXX and XXXX. these breaches has compromised my personal information and left me vulnerable to identity theft.

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 2024-11-09 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: NC

Complaint narrative:
I am writing to inform you thati have been a victim of identity theft.i have identified accounts on my credit report that are reporting inaccurate fradulent negative and outdated which have caused significant harm to my creditworthiness and financial health. Under the Fair Credit Reporting Act Section 623 ( a ) ( A ) i have the right to dispute and request removal of fraudulent negative outdated and inaccurate information on my credit report. The Fraudulent accounts indentified on my report is : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. FRAUDULENT Inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX  i believe that my information was exposed during several significant data breaches that have occured since 2016, including equifax and XXXX. these breaches has compromised my personal information and left me vulnerable to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX : TransUnion has XXXX inaccurate XXXX XXXX. Close to XXXX  % below the other bureaus. Request that the company tune their algorithms properly. Their assessment is highly inaccurate and biased. There is no basis for the credit score reported by them.

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent charges on my credit report, as I am a victim of identity theft, likely perpetrated by my ex-husband. Despite my repeated attempts to resolve the issue, I have been unable to obtain any proof from creditors or credit bureaus, such as contracts or signatures, substantiating these unauthorized accounts opened in my name. I was not notified within the 5-day window required by 15 U.S.C. 1692g, which is a violation of my consumer rights, and my privacy and credit have been directly harmed in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is prohibited for creditors to report inaccurate information to credit agencies, which is clearly what has occurred in my case. I demand that immediate action be taken to remove these fraudulent accounts from my credit report and correct the inaccuracies, and that I receive any supporting documentation for these charges. Should the necessary proof not be provided, I expect these accounts to be permanently deleted. I will pursue legal action against the creditors and credit bureaus involved for failing to comply with federal law and for violating my rights. Thank you for your prompt attention to this matter. 

Sincerely, 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

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 2024-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
On XXXX XXXX, XXXX I recieved a letter from USDA for a Sec 502 loan application stating that I had a ( DNP ) Do Not Pay against me from US dept of Education. I called the Federal Student Aid office to request more information to find out that my loans from XXXX were in default ; I was under the impression that my loans were charged off due to the FTC XXXX XXXX XXXX  lawsuit. I had recieved a notice by mail years ago that I was part of the settlement and had noticed the loan accounts were removed from my credit and placed as " closed account '' so from that point I thought the loans were discharged. From FSA website I filed for Borrower Defense Program on XXXX XXXX after learning these loans were in default in an effort to lift the DNP and accuaretly remove the loans per the XXXX XXXX. Per the Borrower Defense application I had requested Forbarence on the loans going forward during this process, but when I called ( XX/XX/XXXX ) Default Resolution Group to explain the situation and to ask to lift the DNP ; I was told they could only due so if I paid off the loans in full since the debt was so old and I should have not defaulted. I have recieved 12 years of XXXX XXXX returns without any garnishment or letter requesting payment of debt. My family now has to suffer from aquiring a home due to preditory lending and false claims brought against XXXX by the Federal Trade Commission. I don't feel that this should be placed against me and would request that the DNP be removed while we sort out this confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX ) notified me that my loan was transferring to XXXX XXXX XXXX XXXX ) effective XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  ) is billed in XXXX equal installments for the calendar year with XXXX  % due in the months of XXXX and XXXX XXXX XXXX the XXXX installment of XXXX for the bill due XXXX. FM must pay the XXXX installment of XXXX by XXXX. 

XXXXXXXX XXXX bill indicates XXXX as " Tax '' and XXXX as " Fees '' with the description Solid Waste and Storm XXXX XXXX XXXX XXXX XXXX XXXX ) for the property. 

XXXX, an escrow rep confirmed that escrow for my loan closing documentation included XXXX & XXXX. Also, XXXX included in XXXX & XXXX in my previous escrow analysis, including the analysis completed for the transferring of the loan to FM. 

FM responded to XXXX my emails indicating XXXX would be paid, which I have repeated communicated in writing the full XXXX must be paid ; otherwise, my account will be delinquent and I will be accessed a late penalty. 

Because FM has communicated conflicting and changing stories ( depending who you speak with or responds to my emails ), I am concerned that my RET will not be paid in full or on-time. 

I have sent many emails to FM about the payment of my RET tax and will attach the documentation to this complaint.

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 2024-11-09 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: NC

Complaint narrative:
I am writing to inform you thati have been a victim of identity theft.i have identified accounts on my credit report that are reporting inaccurate fradulent negative and outdated which have caused significant harm to my creditworthiness and financial health. Under the Fair Credit Reporting Act Section 623 ( a ) ( A ) i have the right to dispute and request removal of fraudulent negative outdated and inaccurate information on my credit report. The Fraudulent accounts indentified on my report is : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. FRAUDULENT Inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX i believe that my information was exposed during several significant data breaches that have occured since 2016, including XXXX and XXXX. these breaches has compromised my personal information and left me vulnerable to identity theft.

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
They reported wrongful information about dismissed bankruptcy on my credit report and I asked them where they got this wrongful information from? They said the court house provided them the information, but the court house said they never shared any information with any credit report agencies which Im uploading the letter from the court house

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
They reported wrongful information about dismissed bankruptcy on my credit report and I asked them where they got this wrongful information from? They said the court house provided them the information, but the court house said they never shared any information with any credit report agencies which Im uploading the letter from the court house

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 2024-11-10 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX Date opened XX/XX/XXXX - Account number XXXX XXXX XXXX Account number Date opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX  Account number - XXXXXXXX XXXX Account number - XXXXXXXX XXXX Account number - XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX - Account number XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - Account number XXXXXXXX XXXX ( XXXX ) XXXX - XXXX Account Number : XXXX XXXX INQURIES : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-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 non-monetary relief
Consumer complaint received 2024-11-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$20000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37000.00} XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX {$670.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$20000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37000.00} XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX  XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX  XXXX {$670.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX U.S.C, 1681section 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 an 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 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 explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # [ XXXX XXXX  ]. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process. As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: TX

Complaint narrative:
All of these hard inquiries on my report were fraud and unauthorized by me and want them removed from my credit report asap please XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX 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 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This company is violating my rights. They have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I previously made many attempts to try and fix this directly with them. I am aware that they are violating my rights and I am also entitled to {$1000.00} for every violation, they either pay me or delete these accounts AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: SC

Complaint narrative:
On my credit report it states that the original credit is XXXX XXXX and was opened in XXXX. But it also shows an open balance as of XX/XX/XXXX. I have never done business with this company so do not know if this debt is mine or what it is in reference to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: TX

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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights. 


15 U.S.C. 1681 section 602 A. Status I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report counting 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.Cs-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 explanation
Consumer complaint received 2024-11-09 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: GA

Complaint narrative:
i recently checked my credit report and saw accounts reporting that i do not recognize

Company response to consumer: Closed with explanation