vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I requested the freeze be removed and its still on my credit preventing me from getting things that I need

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 2024-07-24 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-24 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I paid off EARLY several loans with Affirm.com, and after making the full payment they listed in order to payoff loans, they then added XXXX XXXX  to the balance then requiring a future additional payment. 
Then when I tried to pay that XXXX XXXX, their system said I could not and required a minimum payment of XXXX XXXX. When I tried to make a XXXX XXXX  payment, Affirm refused the payment saying they couldn't accept it. 
So now I have a balance on loan that was paid in full and Affirm will NOT fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the charge-off status of the account referenced above, which appears on my credit report. I believe there has been an error in the reporting of this account, and I request a thorough investigation into its validity. 

Details of the account in question are as follows : Account Number : XXXX Original Creditor : XXXX XXXX  Date of Charge-Off : XXXX XXXX  Current Status : Charged-Off I have reviewed my records and believe that the information reported regarding this account is inaccurate. I request that you investigate this matterand correct any inaccuracies in your records. I think it has been a matter of miscommunication. I was not aware of any late payments whatsoever. Please provide me with a written response and investigate this dispute within 30 days of receipt of this letter.

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 2024-07-24 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: CA

Complaint narrative:
Greetings! There are two unknown hard inquiries that have shown up on my personal credit report in the past week that were not initiated by me personally. I do not recognize these inquiries and they are fraudulently reporting on my credit report which is causing damage to my personal life.

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 2024-07-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am contacting you in reference to my XXXX XXXX ACCOUNT account. I have implemented significant changes and gained valuable insights. Presently, I am responsible for tending to my ailing mother and looking after my XXXX children. Despite these obligations, I remain dedicated to my military service and enhancing my financial standing. I am writing to discuss discrepancies in my credit reports from XXXX, XXXX, and Equifax. " PAYMENT HISTORY BEING INCONSISTENT '' The presence of a collections account on my credit report is hindering my ability to purchase a home, secure essential loans like refinancing, cover my mother 's medical expenses, and acquire a vehicle due to my current non-operational car. Furthermore, this situation has caused significant challenges for me, particularly as a service member with a security clearance that necessitates " financial stability. '' Despite having settled the account in full, it continues to negatively impact my credit. I respectfully request that you consider removing this account from my credit reports ( XXXX, Equifax, and XXXX ) to assist me in achieving financial stability. I am deeply disappointed with the unhelpful response from the representative in the credit bureau reporting oversight department. Despite providing supporting documentation and requesting a re-investigation, we were met with the same dismissive response. As a service member, we expected better treatment and a more thorough review of our case. We hope for a prompt resolution to this matter and look forward to your urgent attention. Thank you for your assistance. If you have any questions or concerns, please do not hesitate to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
On XX/XX/year> by XXXX account was hacked and XXXX was stolen from my checking account through XXXX XXXX which was lined to my debit card. I reported it to my bank, had my card cancelled, notice tranactions from a card with the last 4 digits as so did XXXX  that was not mine but still went through my checking through XX/XX/XXXX. how my bank didn't even notice this unusual pattern is beyond me as well. I had to go to XXXX to have them to install a stolen app om my phone so we could reset my apple id and password. Chase Bank would not refund my money because they said they had no proof.i tried to explain to them that there was a card on their as well and showed on my account that I have no Clie where it came from but they still let them go through. they seemed to not even care about trying to resolve this issue with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently reviewing my Equifax Credit Report and there is an addresses reporting on my Equifax Credit Report that are not mine. 
Below is the address that i would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Purchasing the house on XX/XX/year> with lender company XXXX mortgage company and they asked me the first two payment. I have to mail it to them. 
So this company has been transfer the service to the other company, which is Shellpoint without tell me anything. 
After that, Shellpoint try to contact me regarding make a payment, but I have no clue about them. 
After making the two first payment to the XXXX, which is mean in XXXX, they contact me and they told me about Shellpoint, but its too late because Shellpoint they reported payment missing for XXXX and XXXX and they dont receive any payment after contact XXXX about that they send the money to the Shellpoint For XXXX and XXXX, but Shellpoint report to my credit card report which is mean payment missing in fact I make a payment on time so after investigation with the XXXX and Shellpoint they told me the person who was take my payment and work on my case, she is a quit And she didnt send me the letter to explain to me make a payment to the Shellpoint however, I am lost between them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
In XX/XX/XXXX I applied for a loan with Trustmark Bank using my XXXX XXXX XXXX super duty truck. I own this truck with a clear title in hand. It was value at XXXX dollars. I was using it for debt consolidation. I was denied. I also had others assets I wanted to use but still got denied. I feel I have been discriminated against.

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 2024-07-24 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:
To whom it may concern, I am filing this complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes the following : XXXX XXXXXXXX XXXX  Account Account Number : XXXX Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX XXXX Account Account Number : XXXX Balance : {$1300.00} XXXX XXXX XXXX Account Account Number : XXXX Balance : {$1900.00} Inquiry from XXXX Date : XX/XX/XXXX These fraudulent accounts have resulted in multiple unauthorized hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize these accounts, collections, or inquiries. They were not opened, made, or initiated by me and are entirely the result of identity theft and fraud. 

Attached is a copy of my FTC Identity Theft Report Case Number : XXXX which serves as proof that all the aforementioned accounts, collections, and inquiries are fraudulent. I request that you block this information from my credit report immediately as required by the Fair Credit Reporting Act. 
Your prompt attention to this matter is greatly appreciated.

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 2024-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX debt is 6 years old. NYS law says these debts are time barred after 3 years. I already told them back in 2019, in court, my only source of income is permanent social security XXXX. Now a few months ago another court case filed for the same thing. Sent them XXXX letters and received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am submitting this complaint and there is no third party involved. The Fair Credit Reporting Act 15 U.S.C 1681 section 602 states there is a need to insure that consumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies and I am the consumer. My rights are being violated by having my private information shared and I want it to stop as per 15 U.S.C 6801 which states It is the policy of theCongressthat each financial instution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information ''. Portfolio Recovery Associates account number XXXX has violated my privacy rights and 15 U.S.C 1681 Section 604 A Section 2 : which states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer whom it relates. Portfolio Recovery Associates and the consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information nor my written consent. Any and all consent to XXXX, XXXX, XXXX, and Portfolio Recovery Associates whether it be verbal, non-verbal, Written, implied or otherwise is revoked. Portfolio Recovery Associates are also in violation of 15 U.S.C 6802 ( b ) ( c ) as they never informed me of my right to exercise my nondisclosure option. The Portfolio Recovery Associates account number XXXX in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S.C 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 - 313.9 and is currently in violation of said legal authority. XXXX, XXXX, and XXXX are not maintaining reasonable procedures as 15 U.S.C 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I have called a settled this dispute directly with XXXX XXXX but the collection company WILL NOT take it off my credit report! I have called MUTIPLE TIMES to get this removed with no results!

This is AT LEAST the third time I've tried to get it taken off. This is for equipment that has BEEN returned! I need this taken off as whoever was in charge of this collection should be fired for not doing there job.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BTH Management
State: OH

Complaint narrative:
Back on XX/XX/2024 I requested debt validation for the collection companies on my credit report in writing to the credit reports and collection companies. I received nothing back yet these companies are still listed on my report. 

More specifically I called Plaza Services on XX/XX/2024 ad requested to know why I had not received the information and they said I would receive it but instead they transferred it to XXXX XXXX to collect on the debt. 

I called again today XX/XX/2024 and requested the info and the rep said only the rep XXXX XXXX can get it to be and he sent it by email which he did not. 

I told her i dispute this amount and debt in all and would like it removed from my report i also advised I would be filing a CFPB report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: First Help Financial, LLC
State: CO

Complaint narrative:
I was late on my payment, however not 30 days and they put a 30 day late mark on my credit reports and I really need this fixed. If I was 30 days late, which I do not believe I was it is due to their website being wrong and I have screenshots proof. On XX/XX/year> I made a double payment and the late fee plus a little more in the amount of {$1900.00}. Then it stated my next payment due is XX/XX/year> in the amount of {$940.00}. If on XX/XX/year> I caught up and the payments are due on the XXXX, then I was about 16 days late, not 30. If it allows I will attach the screenshots, but otherwise just reach out for what I have. I tried to contact the company, but could not wait on hold as long as I was due to having to work and their hours of operation. Please help clear up the 30 day late mark on all 3 credit bureaus. The company is XXXX XXXX XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: LA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/year> I was shopping around for a motor for a XXXX XXXX. I ran across an ad about motors on XXXX XXXX so I called them too see if they had the type of motor I was looking for. Once I talked to the " customer service agent '' everything seemed fine. After I paid for the initial transaction for the motor, it was pretty odd for them to tell me that I had to pay another fee to get it shipped to my address instead of paying for everything at the same time. I never received an email confirmation from them stating that I paid motor or shipping. I reached out to Chime about the situation and apparently they did a 24 hour investigation and told me that they didn't see any fraudulent activities on my account and closed it instantly. I just lost out on {$1900.00} and I couldn't get any help from an institution that supposedly keeps my money safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: Cascade CISS Holdings, LLC
State: NJ

Complaint narrative:
I was unaware that these companies was on my credit report as hard inquiries, which I did not apply to. I spoke to someone on XXXX about getting them removed. I sent documentation to them which they had failed to remove them unless I have an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NJ

Complaint narrative:
I was unaware that these companies was on my credit report as hard inquiries, which I did not apply to. I spoke to someone on XXXX about getting them removed. I sent documentation to them which they had failed to remove them unless I have an FTC 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 2024-07-24 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: SC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation