vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I entered into a loan agreement with XXXX XXXX an affiliate of XXXX XXXX XXXX which licensed Chase to advertise and market financing for an auto loan for the XXXX XXXX. There is belief that Chase was aware of XXXX financial distress and quality issues and continued to offer loans to customers until XXXX was forced into bankruptcy. 

I am seeking a resolution that would lower the principal on my loan to what is the real fair market value of my vehicle. Given the current bankruptcy filing of XXXX ( and the information leading to the belief that Chase was aware of the pending financial disaster at XXXX ), the car is worth next to nothing - no parts or repair services are available, and even a windshield crack can cause the car to be declared a total loss, leaving me and thousands of other borrowers tens of thousands of dollars underwater on a loan Chase knew was bad to begin with. The fair market value of my car is next to nothing, and my loan balance should be lowered accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: AZ

Complaint narrative:
I was reviewing my credit report and noticed that I had some collections and inquiries that were fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: VA

Complaint narrative:
I am not liable for this debt with XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the with the original contract as I requested for {$5800.00} and {$900.00} as stated erroneously on my credit report.

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 2024-06-26 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: SC

Complaint narrative:
I recently read over my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on a payment Ive attached a copy of my report to this complaint on the following date ; XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: FL

Complaint narrative:
The following accounts are reporting on my credit, I suspect identity theft, I contacted the FTC and did a report, filed a dispute with all three credit bureaus but there are still items reporting. 

The disputed items are : XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$7500.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1500.00}

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 non-monetary relief
Consumer complaint received 2024-06-26 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: FL

Complaint narrative:
The following accounts are reporting on my credit, I suspect identity theft, I contacted the FTC and did a report, filed a dispute with all three credit bureaus but there are still items reporting. 

The disputed items are : XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$7500.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX. As I have said before the account by XXXX is not mine. All Midland Credit Management has done is send a Warrant in Debt and a dispute response. Which shows nothing. I have had this done in the last XXXX  years over XXXX  times. XXXX with XXXX, they created an account without my consent with my name and by bank account linked to it with my social security number. This went on for months without my acknowledgement they charged hundreds of dollars to the card. That I had to go to my Bank and get the manager to contact the police department because they didn't not believe me. Which there are records of this happening. I have had my XXXX account hacked for over XXXX weeks straight. I had to lock the account. 

Today, anyone can get your information and do whatever they want to do. Anyone can manipulate anything and everything about who you are, where you live, your bank account, also your social security number. As I have said this has happened many times to the point, I can't keep up with it. As I am typing, I'm also going through another fraudulent claim it is endless. 

I am going to state this XXXX last time, the XXXX card is not mine. What I want to know is if what Midland Credit Management is saying is true then why didn't XXXX give me a Warrant in debt? Why didn't XXXX take me to court? Last why did XXXX supposedly sell my debt? 
I haven't heard anything from XXXX only MCM. 

Another question where is my signature on the contract from XXXX? The only thing MCM has proved is the same statements which anyone can make up. Where is my signature on the original contract from XXXX? Please let 's see it. Cause There isn't XXXX. XXXX sells fake debt all the time that is why they sell it because its fake. So, again do whatever your heart desires, whatever makes you feel good at night do whatever you want. Please do it. 

MCM has no proof that has my consent to the contract by XXXX cards. Anyone can use my name to open an account with my social security number it has been done with XXXX. As I will attachment a police report that shows XXXX got into my bank account. The police department doesn't care about credit cards or even money getting stolen. I sat there for over XXXX hours as I stated I had to get the bank manager to call because they didn't care. I live with my XXXX grandmother that got $ XXXX of XXXX stolen from her account, the police department wouldn't do a thing. 

Show me where my signature is on the contract? At this point it is a he said she said. This is the last time I am writing I'm tired of it. 

I don't have proof of any documents from a XXXX card because it isn't mine. 

This is nothing but a he said she said. There is no proof of a contract with my name on it from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: VA

Complaint narrative:
There are XXXX hard inquires on my Equifax report that was placed on my account without my authorization this company has already been in trouble for breached and other stuff someone has used my info. Without my consent and this had been Ive submitted if theft report and police report numerous time they are in violation of federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in XXXX  that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Ive sent a debt validation letter via certified mail with no response, over 30 days. Zero payments are being processed but theres a huge $ XXXXAidvantage loan on my credit report which is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Sent dispute letters and validation notices to creditor which based on fair credit and reporting act they must respond within 30 days or delete all items from report.

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 2024-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I paid my XX/XX/year> mortgage payment within the grace period on XX/XX/year>, but Newrez LLC dba Shellpoint Mortgage Servicing ( f/k/a Specialized Loan Servicing LLC XXXX XXXX ID XXXX ) charged me a late fee, because they said since the payment was made on a weekend, they did not process the payment until the next business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: FL

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I have an FHA loan with Freedom Mortgage ( the lender ). In XX/XX/year>, I received a {$28000.00} partial claim ( secondary loan ) from HUD. Freedom Mortgage had stated that this figure would reinstate my account through XX/XX/year>. They then confirmed in writing that the next payment was not due until XX/XX/year>, in the regular monthly amount of {$1300.00}. However, on XX/XX/year>, I instead received a monthly mortgage statement of {$1900.00} that added {$630.00} in fees with no explanation. Freedom had told me and HUD that the {$28000.00} partial claim was the right number to get me back on track for the regular monthly amount. I was prepared to make my regular payment, but I can not pay Freedoms new demand of {$1900.00} by XX/XX/year>.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
The company provided the same general response that they initially provided. I again had requested validation for where my security deposit went that was outlined within the signed lease. The amount of my security deposit should have fully covered the amount sent to collections. I am requesting a full itemized balance sheet from the inception of the leases to show where those funds went. If not, I am requesting immediate deletion from my credit report. The company requested an additional XXXX  days on the previous request and did not complete what was asked and requesting that this be finished within the next XXXX  days. This in relation to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is being lodged by me personally regarding late payment entries on my credit report. Upon examining my records, I discovered these late payment notations. I sent correspondence about this issue more than a month ago, but have received no reply, nor any adequate verification. I'm seeking your help to address and resolve this situation quickly and efficiently.

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is being lodged by me personally regarding late payment entries on my credit report. Upon examining my records, I discovered these late payment notations. I sent correspondence about this issue more than a month ago, but have received no reply, nor any adequate verification. I'm seeking your help to address and resolve this situation quickly and efficiently.

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 2024-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
i was reviewing my report and noticed some inquiries that weren't 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 non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to formally complain about the persistent and harassing phone calls I have been receiving from representatives at Comenity Bank. Despite my repeated requests to cease calling me, the agents continue to contact me multiple times a day, which I find disruptive and concerning. 

These calls have not only been an inconvenience but also seem to disregard my rights under the law. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from engaging in harassing behavior, including excessive phone calls, especially after being asked to stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have made multiple efforts to resolve the issue of false, incorrect, and deceptive information on my consumer report, but the problem persists. These erroneous entries have severely affected my wellbeing, causing considerable distress. I must emphasize that I never gave permission for this information to be linked to my identity, as I have been a target of 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 2024-06-26 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: CA

Complaint narrative:
I have made multiple efforts to resolve the issue of false, incorrect, and deceptive information on my consumer report, but the problem persists. These erroneous entries have severely affected my wellbeing, causing considerable distress. I must emphasize that I never gave permission for this information to be linked to my identity, as I have been a target of 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: ND

Complaint narrative:
Incorrect account that said I opened which I didnt. I dont understand the account or why I have it opened or when I opened it cause I dont even be at this store. Im not no XXXX XXXX fan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally request the immediate removal of the following unauthorized inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> These inquiries were not initiated or authorized by me, and their presence on my credit report is damaging to my credit score and overall financial well-being. I have previously contacted your agency regarding this matter, and despite your responses stating that the inquiries will remain, I must insist on their removal based on my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, 15 U.S. Code 1681b, it is required that inquiries must have a permissible purpose and must be authorized by the consumer. Since I did not authorize these inquiries, they lack permissible purpose and should be removed from my credit report immediately. Moreover, according to 15 U.S. Code 1681i, consumers have the right to dispute inaccurate or incomplete information, and credit reporting agencies are obligated to correct or delete such information after conducting a reasonable investigation. 

I request that TransUnion conduct a thorough investigation into these unauthorized inquiries. If you find that these inquiries were indeed unauthorized, I demand that they be removed from my credit report without further delay. Please provide me with written confirmation once the inquiries have been deleted. 

Enclosed are copies of my credit report highlighting the unauthorized inquiries and a copy of my identification for verification purposes. 

Your company 's failure to remove these unauthorized inquiries promptly left me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and considering legal action to enforce my rights under the FCRA.

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