vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was not allowed to turn off the Amazon Store Card Auto pay amount. 
A message came up on screen telling me that if I changed the auto pay amount to less than the minimum payment that they would take the minimum payment anyway which after I changed the authorized amount to {$00.00}. On XX/XX/year> Synchrony Bank did just that and took {$120.00} which was not authorized by me. 

On XX/XX/year> Synchrony Bank did exactly the same thing with my Lowes credit account and without authorization deducted {$99.00} when only {$00.00} was authorized.

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 2024-09-06 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: NC

Complaint narrative:
Subject : Dispute of Verified Accounts and Request for Method of Verification under FCRA 611 ( 15 U.S.C. 1681i ) CFPB dispute number XXXX and XXXX and XXXX Dear CFPB, I am writing to formally dispute the accuracy of certain items on my credit report, which were previously verified by the credit reporting agencies. Despite my initial complaint, the credit reporting agencies have failed to provide adequate verification of the disputed items. Therefore, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and requesting a reinvestigation of the disputed items.

According to FCRA 611, the credit reporting agencies are required to verify the source of the information they used to return a " verified '' response to my initial complaint. Since the credit reporting agencies did not contact the Federal Trade Commission ( FTC ) to verify the underlying facts alleged in my identity theft affidavit, they have failed to disclose the source of their initial " verified '' response. 

I request that the credit reporting agencies either : 1. Verify the source of the information used to return a " verified '' response to my initial complaint, or 2. Delete all contested items from the credit report they maintain.

Failure to comply with this request will result in the credit reporting agencies being held accountable for willful noncompliance and negligent noncompliance with the FCRA. This includes compensating me for all credit denials attributable to the contested items in question. 

Please provide me with written confirmation of the actions taken regarding my dispute within 3 days. 

Thank you for your prompt attention to this matter.

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 2024-09-06 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:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: NJ

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 2024-09-07 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: LA

Complaint narrative:
i have tried to resolve the inaccurate reporting with ALL 3 CRA 'S many times, and they have not removed any inaccurate and incomplete items from my credit report so i sending my last complaint before litigation for them to delete the information. They are in violation of 15 usc 1681i ( a ) ( 1 ) ( a ) ; 15 usc 1681e ( b ) ; 15 usc 1681n for the following items : 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 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 non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
So first, this company had a third party company show up to my house three times to see if I still occupied the residence in the process of me trying to communicate with them about loan modification. 

Second, I called Shellpoint Mortgaging Service LLC on XX/XX/year> to let them know that I do not plan to stay in the property and would like to do a deed in lieu of foreclosure to deed the house back to the bank. I was told that I have to put my house on the market for at least 4 months without an sale or offer in order to qualify for the deed in lieu. On today, XXXX XXXXXXXX XXXX, I had an appointment scheduled with an appraiser that was cancelled because I was not happy with the customer service and requested another appraiser. However, Shellpoint also sent an appraiser for the deed in lieu, which he informed me he was here to make sure the property was cleared out and no furniture was here. 

I still occupy my home, and am waiting for a new appraiser to contact me to schedule so I can know at least how much to list my house for, as per the qualifications for the deed in lieu. 

The amount of frustration I have to endure interacting with this company is asinine. Not only do they not communicate in a timely manner, they also don't seem to do anything correctly. 

I deeply believe this company is trying to force a foreclosure on my home, even though I am making multiple attempts to prevent that from happening. I've filed multiple complaints with the CFPB and the XXXX. My next step is taking this matter legal because this is getting out of hand. 

Shellpoint literally has THOUSANDS of complaints. Why are they still allowed to be in business?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Im in the process of fixing my credit I never gave XXXX XXXX, XXXX XXXX  / Netcredit or XXXX XXXX XXXX to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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:
Since XXXX I have been subject to the crime of identity theft In the United States, I have been forced on several occasions to resort to claims in the different credit bureaus in the United States for information that does not correspond to my credit profile on this occasion it is the company XXXX MAKES A REPORT FOR A CREDIT FOR A VALUE OF XXXXXXXX XXXX WHICH I DO NOT RECOGNIZE FOR I DO NOT HAVE ANY COMMERCIAL RELATIONSHIP WITH THIS COMPANY, SO I ASK THE COMPANY TANSUNION TO VERIFY AND REMOVE THIS INFORMATION FROM MY CREDIT PROFILE BECAUSE IT DOES NOT CORRESPOND TO TRUTH AND I CALL ON THIS COMPANY TO VERIFY THAT INFORMATION AND NOTIFY ME IN CONTRACT WHICH I SUPPOSEDLY ACQUIRED THAT 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 non-monetary relief
Consumer complaint received 2024-09-06 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: PA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX on a Sunday night my card was used at a XXXX XXXX XXXX XXXX approx half hour from my home address! I did not notice this charge u til approx 6 days alter when my accountant reached out to me and told me this charge was on here and that it was NOT INCLIDED IN MY monthly information and in our stuff. So I checked and immediately called chase! The representative helped Me with finding information out about the charge the company the time frame everything so that I could properly dispute! I then reached out to this company that told me my information was NOT IN THEIR SYSTEM MY NAME MY info my card nothing so therefore I immediately told them my card was used by XXXX XXXX XXXX and Im not ok! This is inaccurate and derogatory and fraudulent and its not ok that the company chase KMOWING THAT I HAVE PROOF AND WILL NOT TOLERATE CHASE NOT PROPERLY DOING THEIR INVESTIGATION AND WRONGFULLY SAYING THIS VLAIM IS MINE AND IT IS NOT! I will never pay for a thief and chase did not properly investigate or give me my temporary credit which by law in pa is mandatory until the outcome of the claim! I do not appreciate how incorrectly this was handled and I dont care if it is XXXX XXXX I WILL NOT PAY FOR A THIEF! Chase YOU ARE WRONG AND U DID NOT INVESTIGTAE THIS CLAIM PROPERLY AND I AM GIVING THE CFPB ALL PROOF ALL REPORTS AND I WILL BE CALLING THE FTC AND THE XXXX I will not let you let a fraudster steal from me and THEN U DENY MY XXXX XXXX  claim! I work to hard I have proof this is not mine I never authorized it and I was never present at this location when my card and or card information was stolen! You immediately need to reopen this claim and reinvestigate and give me my temporary credit of XXXX or I will call my attorney and keep going forward with this derogatory and predatory lending! You are insured to protect me the client and I am done with chase after this! You let their companies win and steal from me the hard working consumer and I will expose you I AM PROVIDNG THE CFPB AND THE XXXX AND The FTC ALL OF MY REPORTS AND CIOIES AND RECORDED CONVERSATIONS WITH CHASE AND THE MERCHANT! I have uploaded all reports and the chase proof that they stole from me then gave me the credit then took it back and I want my nsf fees I received three of them for this fraudulent transaction!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-06 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: DISCOVER BANK
State: FL

Complaint narrative:
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 IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATION!! I 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 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 IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP
State: MO

Complaint narrative:
This account was paid in full through wage garnishment, with XXXX, the company has a balance showing due on my credit report when it should be showing a XXXX balance. I have disputed this information 3 or 4 times and the company keeps saying that it is current and keep reporting it as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: LA

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. 

Accounts : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX has violated my rights. 

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, 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 they 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 2024-09-07 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: LA

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. 

Accounts : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX has violated my rights. 

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, 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 they 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 explanation
Consumer complaint received 2024-09-07 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: NJ

Complaint narrative:
These hard inquieres are fraudulent and doesn't belong to me and need to be removed. Also the nest as well. Thank you. 

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 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 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  These Hard Inquiries were made Frauduletly I do not recognize them, Please remove them from my creddit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: NJ

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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 this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.

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 2024-09-06 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:
To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.

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 2024-09-06 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:
Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this company has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. US DEPT ED 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
Consumer complaint received 2024-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have requested proof that I were late on the accounts reported.

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