vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 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: DE

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: IL

Complaint narrative:
This whole process is causing issues to my life. 
I have called the reporting agencies and let them know there was so many things wrong with my report like First off the accounts included below are not supposed to be visible on my consumer report. 
I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights.

Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report in 5 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: IL

Complaint narrative:
This whole process is causing issues to my life. 
I have called the reporting agencies and let them know there was so many things wrong with my report like First off the accounts included below are not supposed to be visible on my consumer report. 
I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights.

Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report in 5 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 2024-04-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CORNERSTONE RESOLUTION GROUP, INC.
State: FL

Complaint narrative:
Collection company called Cornerstone Resolution Group called advising they were going to serve me papers to get sued for up to XXXX, and garnish my wages from my employer. They brought up cash advances i did while i was on XXXX XXXX in the XXXX XXXX. sometime back in the year 2000. After talking, They stated that the debt was from paydaynowforyou.com, they agreed to a settlement amount of {$1400.00}, I gave them my debt card information and paid the debt on XXXX. Since then i've only received a receipt on XXXX from a XXXX XXXX entities company. When i tried to call the company on XXXX to verify they received the payment, i only got a voice mail which was unprofessional. When i looked up the company online, i called that listed number and got a message stating they do not take calls. I received another call from the same person today on XXXX stating that they received the payment and now advising that i owe another XXXX XXXX {$1300.00}. Now that i am alerted to this scam, I called the XXXX XXXX and they advised that they have no record of me having an account. I have not been able to find any information about XXXX anywhere online. I feel i have been scammed while trying to do the honorable thing. They told me on the phone they could not send me any letters or emails.

Company response to consumer: Untimely response
Consumer complaint received 2024-04-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I opted out of the sharing of my non public personal information to non affiliated third parties ( XXXX, XXXX, XXXX and all other consumer reporting agencies ) under the GRAMM LEACH BLILEY ACT 15 USC 6802. TOYOTA has ignored and did not comply with my request. I have proof of the letter I mailed to them attached below and the certified mail number with proof of Delivery. It's been over 30 days since delivery. I'm writing this complaint so that they can comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: OH

Complaint narrative:
THE OHIO ATTONEY GENERAL IS SAYING THAT I OWE DEBT OF XXXX FOR UNEMPLOYMENT, I NEVER WAS ON UNEMPLOYEEMENT, THEY TOKE MY STATE TAXES OF THE AMOUNT {$730.00}. they need to refund That money back to me. my money was taken on XX/XX/2024 for a debt that does not belong to me. know this Reliant capital solutions llc. is theaten me to garnished my check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: MI

Complaint narrative:
I have unauthorized inquires that I did not do. and they need to be removed now from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had an issue with a merchant, in which the merchant misled, created false and misleading advertising, and offered written guarantees that were not being honored by the merchants. and AMEX is allowing these fraudulent activities to happen to their customers. I have provided multiple pages of documentation including their written advertised guarantees and their excuses. Each time addressing the merchant 's rebuttals and each time no one read my responses at AMEX or they would see I was addressing each rebuttal and being defrauded by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a Best Buy Citi Bank credit account, This account belongs to me since XXXX tried to change my phone number and my password the system would not allow it .I called the company and got XXXX  customer service people who were no help!! Its been like this for 40 days .I need your help with problem. 
The Best Buy phone number is 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 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I only have what they sent me. which was dates XXXXXXXX XXXX XXXXXXXX amount XXXX and I was told I was paying XXXX dollars a month, which was being deducted out of my checking account, I noticed the outstanding amount and wanted to know when this transaction or transaction had been made. They have not shown me anything at this time but the amount owed,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: GA

Complaint narrative:
EXPERIAN REINVESTIGATION REQUEST NOTICE XX/XX/2024 I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) EXPERIAN is currently reporting negative information as a violation to federal laws. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. HOW WAS THE INVESTIGATION CONDUCTED? PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.

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 2024-04-01 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Credit inquiry on my credit report that was not me. The inquiry was on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: TX

Complaint narrative:
The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.

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 2024-04-01 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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
NEWREZ/SHELLPOINT IS ILLEGALLY REPORTING LATE PAYMENTS FOR ACCOUNT XXXX  15 USC 1681a section 2 provides exclusions to the term " consumer report ''. The term " consumer report '' does not include : Any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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:
EQUIFAX XXXX REQUEST NOTICE XX/XX/2024 I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair XXXX reporting. ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX ) EQUIFAX is currently reporting negative information as a violation to federal laws. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. HOW WAS THE INVESTIGATION CONDUCTED? PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
I received communication from my home insurance company XXXX that my policy premium would be increasing by a substantial amount in XX/XX/XXXX. As a result I found a new insurance company XXXX XXXX which was decrease from my XXXX amount. I cancelled the XXXX policy at the begining of XX/XX/XXXX and set up new policy to begin XX/XX/XXXX. Mortgage company ( Newrez ) was informed of both the cancelation and new policy well before the XXXX start. Newrez unfortunately paid the cancelled policy amount to XXXX. After much back and forth I was able to get the payment returned to me and I made a direct payment of XXXX to my escrow and the correct amount was paid on the new policy from my escrow to Rural ins. A mortgage analysis was auto completed on XX/XX/XXXX. This analysis was completed using the wrong insurance payment and as a result my payment amount was increased accordingly. I requested a new analysis from NewRez on XX/XX/XXXX and was told it would be completed in 7 days. I have called chatted and email multiple times since then and still have not received the new analysis as of today XX/XX/XXXX. I've been hung up on multiple times given new dates multiple times etc to no avail. I do not want to make my Apr mortgage payment until I know the correct amount of the payment to make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Firstly, I have reported this fraud and debt collection issue in a prior report on XX/XX/XXXX. The report number for CFPB is XXXX. 

This new complaint is being made because XXXX XXXX is attempting to collect this debt again. I received a new notice from I.C. System Inc. that was dated XX/XX/XXXX. The letter requested payment for {$2000.00} of which {$1600.00} is claimed as debt and {$420.00} is claimed as " You were charged this amount in fees. '' I have responded to the debt collection attempt by refuting this again for fraud. 

During my first report period ( last year around XXXX XXXX ), I followed every step and obtained a police report. I communicated with the debt collector ( XXXX XXXX ). I sent in the requested information which included the police report and a " XXXX XXXX ''. Ultimately this debt collector removed the listing from my credit report and I assumed this was over. 

However, XXXX XXXX is attempting to collect a debt that they should know to be false. I believe that XXXX XXXX is taking actions against me and my excellent credit profile to collect a debt that they know or should know is not mine.

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 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Hi CFPB, My Discover account was closed, while in good payment standing. 

Discover suddenly, without reason, requested an XXXX IRS form 4506-C be filed. I submitted it 4 times electronically and it was not accepted each time. I spoke with a Discover personnel each time and finally one decent Discovery employee told me their XXXX system was faulty. She offered to send a written copy. I filled out the written copy before the postmarked date and yet, a few days later my account was closed. 

Full transparency I added my address to line XXXX, where is states " XXXX. ONLY complete Line XXXX if the address listed on your last filed tax return is different than Line XXXX ( current address on file with Discover ). 

I added the same address that I filed the last tax return. I should have left it blank. 

IM SO XXXX  SORRY!!!!!! 

Now my credit score dropped XXXX! 

Discover Security department wont help me over the phone. They say " although we can not re-open your account we can open a new credit card for you. '' I never want a Discover credit card again. 

I shouldn't be effected in this way because I put the right answer where it didn't call for an answer. Their automated electronic filing system says I gave incorrect information and canceled my account. This damaging, deceptive, unfair, and faultypractice was poorly administered. 

I'm going through one of the hardest years of my life with actor and directors strikes in entertainment and another strike looming this summer with XXXX. I have so many things going on that I missed on step and I'm greatly effected. 

I want this NON-financial credit card closure to be removed from my credit report. 

Thank you so much for your assistance in my matter.

Company response to consumer: Closed with non-monetary relief