vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 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: MA

Complaint narrative:
Since this is my second request, I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX Reason for dispute : As a victim of identity theft, this account is not mine. I never received any communication or welcome letter from this creditor. I am entitled to verification proof of this account, which I have not received.

This account is fraudulent and not associated with me. I have filed a police report regarding identity theft and request immediate investigation and removal of this item from my credit report.

I am aware that you are required by law to notify me of the results of your investigation within 15 days and provide me with an updated copy of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: IL

Complaint narrative:
The following item is inaccurate and negatively affects my credit. I previously disputed this account with the credit bureaus, and it was deleted from my XXXX report, but Equifax failed to perform an investigation and delete the disputed information. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORT ACT. THE LIST OF ACCOUNTS HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C. 1681XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE 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 } SECTIONS STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING OF THE FOLLOWING ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY SEVEN YEARS. 15 U.S.C. 1681s-2 { A } { 1 } A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF XXXX KNOWS OR REASONABLE CAUSE TO BELIEVE THAT THAT THEINFORMATION 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 2024-09-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORT ACT. THE LIST OF ACCOUNTS HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C. 1681XXXX XXXX XXXX XXXXK XXXX # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX ACCT # XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE 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 } SECTIONS STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING OF THE FOLLOWING ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY SEVEN YEARS. 15 U.S.C. 1681s-2 { A } { 1 } A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THEPERSON KNOWS OR REASONABLE CAUSE TO BELIEVE THAT THAT THEINFORMATION IS INACCURATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
A few months ago, a hail storm hit our area and the area was designated as a disaster area. I had to come out of pocket XXXX to cover the deductible for repairs and inquired with Freedom Mortgage about potentially getting assistance in the form of a forbearance. I soon received a document that said I was auto-approved and my account was put into forbearance. I didnt have enough information about what it meant for me to even approve this is what I needed or wanted. Freedom Mortgage pushed me into forbearance without full disclosure or agreement. Also, my account was placed under a Loss Mitigation status, which is collections or delinquent. I received a call today from a collections agent that had no idea why he was calling me. My account is fully paid each month and never late. The agent opened the call saying that I was due for the XXXX payment. Its not even due yet. The agent could not explain to me why they auto approved a forbearance nor could he explain why Freedom Mortgage told me that I dont have to make any payments until the forbearance period ends. The agent was focused on collecting a payment for something that wasnt due. It felt like the agent was just calling to tell me my account status was in loss mitigation and I had a payment due, which is unfair to me and deceptive. The practice of auto approving the forbearance without fully disclosing and educating me on what that means seems like an abusive policy. If I were to have followed Freedom Mortgages direction and not made my payments, I would have been significantly behind and could have lost my home. Im very confused and frustrated. I dont think as a XXXX combat veteran that Freedom Mortgage had my best interest in its forbearance process/policy.

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 2024-09-24 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: FL

Complaint narrative:
I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken.

Equifax Listed below are the Inquiries that are being challenged INQUIRY - XXXX - XXXX INQUIRY XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX Incorrect Names | Incorrect Addresses | Incorrect Employment History | Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, FL XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXX - XXXX INQUIRY XXXX XXXX XXXX XXXXXXXX - XXXX INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX Incorrect Names | Incorrect Addresses | Incorrect Employment History | Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX AV, XXXX, FL XXXX Employer XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXX  XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Employer - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: FL

Complaint narrative:
I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken.

Equifax Listed below are the Inquiries that are being challenged INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXXXXXX INQUIRY XXXX XXXX XXXX XXXXXXXX Incorrect Names | Incorrect Addresses | Incorrect Employment History | Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, FL XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX, FL XXXX Experian Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXXXXXX XXXX XXXX XXXX  INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXX Incorrect Names | Incorrect Addresses | Incorrect Employment History | Employer - XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Employer - XXXX XXXX XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY XXXX XXXX XXXX XXXXXXXX INQUIRY XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX Employer - XXXX XXXX  Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Employer - 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
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
Dear Sir/Madam, I am writing in response to your recent correspondence regarding the debt that you claim I owe. I am requesting that you provide me with validation of this debt. as required under the Fair Debt Collection Practices Act. 
Specifically, I am requesting that you provide me with the following information : XXXX. The amount of the debt that you claim I owe. 
XXXX. The name of the original creditor to whom the debt was owed. 
XXXX. The date on which the debt was incurred. 
XXXX. Proof that you are authorized to collect this debt. 
I would also like to request that you provide me with copies of any documentation related to this debt, including but not limited to account statements, billing statements, and any contracts or agreements related to the debt. Please note that I am not acknowledging that I owe this debt. I am simply requesting that you provide me with verification of the debt, as required by law. 
I would appreciate your prompt response to this request. Please note that if you are unable to provide me with the requested information, I will consider the debt to be invalid and will take appropriate action to protect my rights as a consumer. 
Thank you for your 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 2024-09-24 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: AL

Complaint narrative:
I am writing to express my concern regarding the ongoing inaccuracies in the disputed accounts listed on my credit report. Despite multiple requests for thorough investigations into these errors, I have not received a satisfactory resolution. The presence of these erroneous accounts is severely damaging my credit score and affecting my financial stability.

The negative impact of these inaccuracies has caused significant hardship in my life, and I urgently request your assistance in conducting a comprehensive investigation into each disputed account. It is essential that my credit report is updated and corrected without further delay to restore the accuracy and integrity of my financial records. 

I kindly ask that you give this matter your immediate attention and take the necessary steps to resolve it promptly. Your cooperation in this matter would be greatly appreciated, and I look forward to your swift action. 

Thank you for your understanding and support.

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 2024-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I completed the XXXX page Navient XXXX XXXX XXXX and submitted it along with supporting evidence as required. I attached a copy of the application and my responses. Navient serviced my Federal loans under a consolidation SallieMae coerced me into in XXXX. 

On XX/XX/XXXX I got a letter from Navient the my application was approved. I was refunded 2 months payments. I believe this to be an incorrect amount. 

On XX/XX/XXXX, I emailed Navient requesting a correction to my refund amount. 
On XX/XX/XXXX, Navient sent a general denial of my request. 

I believe that the amount refunded to me upon was incorrect and should be corrected based on applying the Holder Rule. In approving my application Navient agrees that my widely known fraudulent, for-profit school and its parent company XXXX  engaged in gross and misleading misconduct. I should be eligible full refund of all payments made on my account dating back to XX/XX/XXXX including all payments made on consolidated Federal Loans. What XXXX XXXX XXXX sold me amounts to a defective product financed on lies and as a defrauded consumer, should be eligible for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a checking account with Chase Bank the XXXX XXXX branch in XXXX XXXX, California. I was also dating someone online who said they were going to send me some money and asked for my banking information. So I gave it to the person and they sent me a fraudulent check to my account. When Chase acknowledged the check they immediately closed my account with no explanation and said I could never bank with Chase ever again. I tried to explain I wasn't aware this was going to happen but they didn't believe me. The account was opened on XX/XX/XXXX and it was closed XX/XX/XXXX. 
I tried to open another account two years later XX/XX/XXXX and I was successful but then the account was closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial 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 2024-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called Chase yesterday to resolve my account ending in XXXX. My Social Security number is XXXX. 

I was trying to negotiate a payment plan of {$50.00} per month since I am currently unemployed. However, they informed me that I need to pay a minimum of {$1000.00} to avoid a {$40.00} late fee each month. If not I dont pay the XXXX I will get hit a late fee every month untill paid. Balance will continue to grow. 

I find Chase to be a greedy company, and they seem unwilling to work with me. I am requesting help to set up a payment plan of {$50.00} per month until I can pay off the balance. When I called yesterday, I was transferred multiple times, which was frustrating and a waste of my time. 

Please help me resolve this issue. STOP THE LATE FEES!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XX/XX/2024, an Affidavit of fact ; notice of dispute was sent to XXXX XXXX XXXX, demanding proof of an alleged debt, including signed contract, specie requested for payment and 1099 C and XXXX financial g statements. 1099 c is required to be given bro me by a debt collector alleging a debt, for me to report as income. I have never received any 1099 C from any third oarty debt collector or any from a so called original debt collector. Further, I was never given any XXXX accounting records showing a debt as per the Securities and Exchange requirement. XXXX XXXX has defaulted as her has failed to respond. He has violated my rights and committed fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: AL

Complaint narrative:
I attempted to use my card on cash app on XX/XX/XXXX to send my brother {$100.00} and the card has been locked for fraud ever since. I spoke with the first rep around XX/XX/XXXX and was told to submit my ID to verify and have it released for use. Followed up the second day and was told they didnt receive it. I resent it again and was notified the third day to resubmit valid ID thats not expired but my ID doesnt expire until XX/XX/XXXX. Ive resent and have been denied 4 times saying its invald. So i havent been able to eat or anything since last XXXX  because this is all i have right now and no of the CSR have been any help at all and im just trying to get some satisfaction with this. The review times XXXXXXXX been given keeps getting longer and longer. I am very frustrated right now.

Company response to consumer: Closed with explanation