vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: AZ

Complaint narrative:
In XX/XX/XXXX I enrolled in this company for three of my debts.

I made consistent payments of over {$150.00} every two weeks from XXXX XXXX XX/XX/XXXX. 

During that time this company made XXXX settlement arrangements. 

For my first debt they settled for {$1400.00} and this was paid off. 

By XX/XX/XXXX they had arranged a settlement with XXXX XXXX XXXX who would be paid {$2200.00} from XX/XX/XXXX XXXX XXXX. 

I continued making payments which means per the agreement the company should have been resolved and paid off by the time I defaulted in XX/XX/XXXX. 

In fact, by that time I had paid a total amount {$6700.00}. Yet later received notice that the agreement with XXXX XXXX XXXX was null and void. How could that be if I paid all the payments as outlined in the agreement? They should have been paid off by XXXX of that year yet payments were still being collected by me after that time. Payments continued to be collected for several more months in fact until they finally settled with discover card in XX/XX/XXXX, yet clearly none of the payments made between. XXXX and XXXX were ever applied to the total settlement amount of {$2200.00}. 

Between XX/XX/XXXX, the total settlement arrangement amounts add up to {$5900.00}. I have paid already {$6700.00} between XX/XX/XXXX and XX/XX/XXXX. Yet when I asked about the payments made just a few days ago you can see their records show that neither XXXX XXXX who had been scheduled to have been paid off entirely, nor XXXXXXXX XXXX were paid what was agreed upon which is why now both have filed a civil suit for {$2500.00} each! And yet, according to this debt company they have payments expected to be another {$9300.00}! 

{$16000.00} worth of payments on under {$6000.00} in debt settlement? Plus whatever is now garnished from my wifes paychecks because they failed to pay the settlement for two of my debts that should already have been paid off?! 
For for this type of behavior and I believe That not only should they apply what I already have paid to both the XXXX and XXXX, but due to the expense and cost and damage to my credit they have caused they should refund the remaining money from the {$6700.00} that would be left after paying the debts off that should have been in the first place. Alternatively I would ask that they be required to refund to me all payments made that did not apply to my debts appropriately because claiming settlement fees on debts that they failed to settle or failed to follow settlement for can not be legal and is not something I ever authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
Transunion ( TU ) is failing to provide verifiable proof of their investigation. I've contacted them XXXX times over the last XXXX  months and each time they've failed to send any verifiable proof. However, they claim the information has been verified. This is strict violation of 611 of the FCRA code. I need TU to be held accountable for their strict violations in the law. If they do NOT provide sufficient proof how do we know TU is performing under the color of the law. Please see the following XXXX letter I'm sending them requesting information me blocked/removed due to identity theft. How are they verifying the information if the account in questions is fraud. Please see this matter is handled to the regulations which hold them accountable. I'm including all records of the last XXXX letters. Additionally, TU failed to my original letter mailed on XX/XX/year> they emailed me correspondence claiming they were not going to honor my dispute because I was not the individual or they thought it was being submitted by a third party. They are failing at honoring FCRA laws and regulations. I need them to honor my disputes and if they fail to do so I seek a remedy of {$1000.00} per individual account. I've attached the original letter I mailed to TU. I need this matter honor per FCRA laws.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate Credit Report Entry Chase Auto Finance I am writing to formally dispute an inaccurate entry on my credit report related to Chase Auto Finance. This negative mark is unjustified, and I am requesting its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ). 
Disputed Account : Creditor : Chase Auto Finance Account Number : XXXX Disputed Amount : {$1600.00} Reason for Dispute : Wrongful charge for windshield replacement Details of the Dispute : As per Chase Auto Finances recommendation, I scheduled an inspection at my home a few weeks before my vehicles lease return date. During this inspection, the inspector noted a chip in the windshield and informed me that a replacement was required. In compliance, I replaced the windshield the day before returning the car to the dealership. 
However, Chase breached their own policy by failing to conduct a second inspection upon the vehicles return. Despite my providing Chase with documentationincluding the repair receipt, proof of paymentChase still wrongfully charged me for the windshield replacement. I immediately disputed the charge with Chase, yet after months of repeated follow-ups ( since XXXX ), I have received no resolution. 
As a result of this wrongful charge, my credit report has been negatively impacted, causing financial harm. Since this entry is inaccurate and unjustified, I formally request that it be removed from my credit report. 
Under the FCRA, credit bureaus must investigate disputed items within 30 days and remove any unverifiable or inaccurate information. Please conduct an investigation and update my credit file accordingly. 
I appreciate your prompt attention to this matter and expect written confirmation of the resolution. If further information is required, please contact me at [ XXXX ] or XXXX. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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 DID NOT AUTHORIZE THESE TRANSACTIONS LET ALONE DO BUSINESS WITH THESE COMPANIES. THEY WERE CAUSED BY IDENTITY THEFT/FRAUD AND ARE NOT CORRECT. PR 15 USC 1681 B FOR THAT REASON THEY MUST BE REMOVED OR ELSE I WILL BE FORCED TO TAKE LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: The J. G. Wentworth Company
State: NJ

Complaint narrative:
I looked into selling a settlement to J.G. Wentworth back in XXXX of 2024. I signed a contract with them after feeling pressured by them on the XXXX of XXXX. It was a very low offer but I was in need of the money. I was told signing the document was not a big deal I can cancel at anytime and that it was only to get approval for a cash advance. I requested a cancellation on the XXXX of XXXX. They did not cancel and continued to proceed. At this point I had a lot of additional offers from other companies. J.G. Wentworth claimed they would match or beat the top offer. However when I brought up these other options I was told these are not reputable companies and they couldnt match these offers but in good faith would reevaluate after the court date was over. I then decided to ask the court to cancel my court date and dismiss JG Wentworth. They still continued to pursue this matter. They harassed me and my family with phone calls, emails, and mailed letters. I asked them to stop and eventually had to block them in hopes to stop the harassment. I even had a very strange phone call of someone claiming to be from the court telling me that I need to attend a court date for JG Wentworth that I presume to have been JG Wentworth impersonating a government employee. When I called back the number it was not the court and I was disconnected. 
I have now decided to go with a different company but they are continuously intervening delaying my process. And I continuously seem to catch them in lies about how much they can offer me and how fast they can get everything done and money in my pocket and how I would no longer receive messages or calls etc. I am asking them to back off and dismiss their petition. I do not want to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was charged for a loan protection insurance plan without my authorization. 
The documents provided to initiate the loan were false and confusing, and disguised with another series of documents, in the end they seem like a scam. They never showed costs, payments or coverage, and in the header of the document it clearly says that it is not an insurance contract when in reality it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: Global Lending Services LLC
State: MA

Complaint narrative:
Dear Global Lending ; Cfpb ; ; Dear Credit Bureau Manager ; I am writing to formally dispute the late payment reporting on my Global Lending Services account ( Account # : XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies are required to report only accurate and verifiable information. However, upon review of my credit file, I have identified multiple discrepancies and reporting inconsistencies that require immediate correction.

Basis for My Dispute 1. Failure to Maintain Accuracy ( FCRA 1681e ( b ) ) : My account is currently in good standing and " paid or paying as agreed '', yet previous late payments ( 30, 60, and 90 days past due ) remain on my credit history.

The account status and payment history contradict each other. If my account is reported as " current '' and " pays as agreed, '' the derogatory payment history must be removed.

2. Inconsistent Reporting Among Credit Bureaus : XXXX states the account is " paid or paying as agreed, '' yet XXXX and XXXX list past delinquencies. This inconsistency suggests inaccurate reporting in violation of FCRA 1681i ( a ), which requires reinvestigation of disputed information.

3. Failure to Properly Investigate ( FCRA 1681i ) :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have tried repeatedly to fix my phone number on their system. In XXXX, XXXX and XXXX. 
Without the correct phone number I can't get texts from them and log in to unfreeze my credit. 
I need to unfreeze my credit to work with my bank and Experian refuses to help and has not fixed this issue in the XXXX years I have been calling them to do so. 
I have spent a few dozen hours on the phone with them and can't get my credit information, log in to my account or unfreeze my credit. 
Right now all texts from Experian go to an unknown ( to me ) phone number. 
I have no idea who owns the number or what information they are getting about my credit.

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 2025-02-25 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-25 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has XXXX impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-25 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: Kikoff Inc.
State: FL

Complaint narrative:
DEMAND FOR DELETION OF INNACCURATE REPORTING OF ACCOUNT on Consumers Credit REPORT # XXXX Respondent, Kick Off Lending LLC continues to negatively report on Affiants consumer report Respondent, KickOff Lending LLC has failed to comply with verification and provide Affiant with original security contract with wet ink signature and evidence of a valid agreement/ legally enforceable in court Failure to provide original promissory note as evidence validating this alleged debt/claim I lawfully demand for this claim to be deleted and to be sent an updated copy of my consumer report or provide supporting documentation verifying and validating this claim with a wet ink signed contract bearing affiants signature This is my conditional further derogatory reporting of this alleging creditor will result in arbitration and or litigation where compensating damages may be sought and this fraud will be exposed publicly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
DEMAND FOR DELETION OF INNACCURATE REPORTING OF ACCOUNT on Consumers Credit REPORT # XXXX Respondent, XXXX XXXXXXXX XXXX XXXX continues to negatively report on Affiants consumer report Respondent, XXXX XXXX XXXX has failed to comply with verification and provide Affiant with original security contract with wet ink signature and evidence of a valid agreement/ legally enforceable in court Failure to provide original promissory note as evidence validating this alleged debt/claim I lawfully demand for this claim to be deleted and to be sent an updated copy of my consumer report or provide supporting documentation verifying and validating this claim with a wet ink signed contract bearing affiants signature This is my conditional further derogatory reporting of this alleging creditor will result in arbitration and or litigation where compensating damages may be sought and this fraud will be exposed publicly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
i took a look at my report and noticed these fraudulent accounts on my report, please remove them from my report it is hurting my ability to obtain credit thank you.

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX  with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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