vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 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:
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the Written permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! OR LOOK FORWARD TO LEGAL MATTERS!!!

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 2024-03-16 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: NY

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 2024-03-16 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: CA

Complaint narrative:
XXXX disputes division updated balances on three of my accounts to reflect I owe XXXX dollars on these three accounts, but when it comes to changing and updating my credit report to reflect I owe no dollars, XXXX still has not updated this area of my credit file. They are showing very high credit utilitzation on three accounts that have been paid approzimately on XX/XX/24. 

XXXX XXXX- {$26000.00} is still showing as owed even though it's XXXX owed on account ending XXXX. 

XXXX XXXX {$3800.00} is showing as owed even though it's XXXX owed on account ending XXXX. 

XXXX XXXX- {$10000.00} is showing as owed even though it's XXXX on account ending XXXX. 

XXXX 's failure to update my credit report and only update it on their disputes section of my file is severely hurting my XXXX XXXX and affecting my ability to purchase a new vehicle at a reasonable interest rate. I've disputed this with XXXX and the three companies over the past three weeks and all three companies claim they've sent the updated information to XXXX. I believe all three companies have sent the correct information because my XXXX file has been updated showing I don't owe this money anymore. XXXX file even shows I don't owe this money on their disputes page, but when you look at my credit report, it still shows I owe these amounts. XXXX is failing to update my credit report accurately.

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 2024-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: AMERICAN INTERNET MORTGAGE
State: MN

Complaint narrative:
XX/XX/year> - I contacted Aimloan servicing through their online messaging to ask about an escrow waiver. 

XX/XX/year> - Aimloan responded via the online messaging saying they can waive escrow, but required a " cancellation fee equal to .25 % of the original loan amount '' saying it's the " same amount that closing costs were reduced by as an incentive to establish and maintain an escrow account ''. I responded asking them to move forward with the process to get more information as I couldn't find anywhere in my Truth In Lending Disclosure, HUD - Settlement Statement, Discount Verification form, Fee Details, or MN Notice of Right to Discontinue Escrow statement that I had paid any 'incentive fee ', 'discount ', or that I would be charged a 'cancellation fee '. 

XX/XX/year> - I received a letter in the mail from Aimloan with further instruction on where to send the cancellation fee to waive escrow. 

I have reviewed my documentation further and feel they were deceptive, unfair, and misleading on the above documentation for not clearly stating the terms of my escrow account and attempting to charge 'fees ' that were not disclosed in order to discontinue escrow. Based on everything I reviewed above, when I signed for my mortgage I was under the impression that it was my right to discontinue escrow in the state of XXXX  free of charge at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I made a payment to my account, on the day it was due, and this company still reported me as past due. I called them several times and they claim the payment was returned but the funds came out of my account. I made an additional payment since they claim they never received the initial one. This is reporting past due and I need them to remove the 30 day late on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy. 

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

XXXX and TransUnion have reported a XXXX XXXX XXXX after i sent verification that XXXX XXXXXXXX showed i didn't have a Bankruptcy and the US Bankruptcy court states, they don't report XXXX XXXX. XXXX has removed the XXXX as requested. 

Inquiries I disputed as well : 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  : Delete these accounts unless you want to be held accountable for {$1000.00} per account.

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 2024-03-16 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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.

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 2024-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
These debt collectors have not provided me proper debt verification/validation for the alleged debt. Please delete all collections from my credit reports from XXXX, XXXX, & XXXX. 

XXXX Collections XXXX XXXX XXXX, DATE OPENED XX/XX/XXXX, BALANCE {$730.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$540.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$5200.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$790.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$740.00} XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX BALANCE {$480.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$360.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX {$1000.00} XXXXXXXX XXXX  XXXX XXXX XXXX, DATE OPENED XX/XX/XXXX, BALANCE {$730.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$540.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$5200.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$790.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$740.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$480.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$360.00} - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX, DATE OPENED XX/XX/XXXX, BALANCE {$730.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$540.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$5200.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$790.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$740.00} XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX BALANCE {$480.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$360.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX {$1000.00} XXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00} XXXX DATE OPENED XX/XX/XXXX BALANCE {$670.00}

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 2024-03-16 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: FL

Complaint narrative:
I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX  XX/XX/year> & XXXX XXXX. These Companies Violated my rights because I didn't give written access for them to obtain my credit report. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.I would like to have these 2 XXXXXXXX XXXX HARD INQUIRES removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In a letter dated XX/XX/year> from Synchrony Bank sent a change of terms notice. This notice includes a paper statement fee of {$1.00} to receive a paper statement from the company. As I like to see a physical copy of a statement and don't always have time to sit down and log into an account online, I do not think that I should have to pay to get them to send me one. This is part of doing business.

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 2024-03-16 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: CA

Complaint narrative:
Today is XX/XX/XXXX, I check my credit report and I saw XXXX inquiries fraudulent, please remove this inquaries, i never apply for any loans or credit card with this companies listed below XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquiry XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX date 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 non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I've been having issues with exeter for the absolute longest. I have been given the run around, they've told me they will send documents and never do. I'm always past due no matter what I pay. Recently I paid {$1500.00} and I spoke to a supervisor to double check that if I pay that amount my account would be current and he said yes. Now, I have paid that amount and they're still saying I'm past due. This has happened on multiple occasions, where I pay and they make up an excuse saying that it was used for something else. I really need someone to audit my whole account because I feel defrauded. There are just so many issues that I've had to deal with that I can't even type. I'm very frustrated and it feels like I have no rights in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Community Cash Management Corp.
State: ME

Complaint narrative:
Marcam Associates calls me ALL the time. I have XXXX  debt from multiple XXXX, which not all of our insurnace covered. Lately it will say " private number '' but in the past they would use a local ( XXXX ) area code, or an ( XXXX ) #. Now it just says " private '' and i let it go to voicemail. Same message every time. They also send bills through the mail every week, multiple times a week. I don't have the money to pay it off, so I guess it will just continue until I die. I have asked them to stop calling me and that doesn't matter. I work full time, have health insurance and it's just not enough for these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: NJ

Complaint narrative:
According to the regulations outlined in 15 US Code 1681i ( 6 ) ( b ) ( iii ), consumer reporting agencies, such as XXXX and Transunion, are obligated to provide a written explanation to consumers upon request, detailing the methods used to verify the accuracy and completeness of their information. This includes disclosing the names and addresses of any sources contacted during the verification process, along with their contact information. Despite my request made over 30 days ago for documentation to validate a specific account, I have yet to receive any such documentation. Without legitimate proof supporting the inclusion of this account in my credit report, its validity is questionable.

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 2024-03-16 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
This charge card account is now closed ( by us ) but it was under the names of XXXX XXXX XXXX and XXXX XXXX XXXX. 

XXXX XXXX ' some concert tickets online from XXXX on XX/XX/year> for {$570.00} and {$1200.00}. We never received the tickets or anything else from XXXX. 

We disputed the XXXX transactions. Chase responded with 'no evidence of a billing error '. We responded to Chase that we received nothing and reopened the dispute. Chase responded again with 'no evidence of a billing error '. We disputed the transaction again and Chase responded the same. The above repeated itself maybe XXXX times over more than a years time. 

We asked Chase through their online messaging system to tell us why they thought we owed for these XXXX transactions since we received nothing. They never responded. 

Since Chase refused to work together with us to solve the issue., we paid everything we owed them with the exception of these XXXX transactions and closed our account. 

Now our credit reports indicate that we are late paying Chase because they still want us to pay for these XXXX transactions. Our credit scores have suffered because of this. 

Note : we had been customers for many years and literally charged thousands and thousands of dollars on our account and paid every XXXX of it and was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I am a victim of identity theft and these damages are a defamation of my character. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY. These account should not be furnished on my consumer report as they are in VIOLATION!!!! Under, 15 U.S. Code 161b- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENETITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX Original Amount : {$15000.00} Current Balance : XXXX XXXX XXXXXXXX Unsecured Original Amount : {$2800.00} Current balance : XXXX XXXX balance {$650.00} XXXX XXXXl Original Balance {$1000.00} Current Balance {$1000.00} 1 Inquiry : XXXXXXXX XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation