vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These Accounts have violated my rights According to FCRA ; XXXX. XXXX XXXX XXXX : account # XXXX XXXX. XXXX XXXX XXXX : account # XXXX. 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( May 16, 2016 ).

Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account states. 
Everything reported here does not meet the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 XX/XX/XXXX Bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
In dealing with Credit Acceptance for our vehicle loan, we had some difficulties paying the large monthly payment. Credit Acceptance created an alternate payment schedule for us, which we upheld to the payment plan until the time in XX/XX/2023 when we paid off the vehicle. 

During this time, even though we were making payments according to the payment plan Credit Acceptance designed, they were consistently reporting late payments. 

I do not understand if we were making all payments on the agreement we had in place & they were accepting the monthly payments, how could these payments be considered as LATE I have contacted Credit Acceptance on 2 occasions since XX/XX/2023 to have these remarks removed. These derogatory remarks have had a lasting impact on my report, making it impossible to receive any opportunity for loan approval. 

I pray that you can assist me. I desperately need a resolution.

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 2023-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
I signed my mortgage in XX/XX/2022. At the time of closing I noticed that they were trying to charge me an {$300.00} for taxes and insurance. The annual amount for my taxes was {$740.00} and my homeowners was {$730.00} per year. This would equal {$1400.00} or {$120.00} per month. 
I immediately inquired at the closing why I was being charged for escrow {$300.00} instead of {$120.00}. They advised me this was an error and would get it fixed but I could continue with the closing. 
My loan was then sold to Pennymac immediately without any accurate change to my escrow amount. I contacted Pennymac and they claimed to have corrected it. I then applied for Covid forbearance. My Covid forbearance is up and I will be starting to make my monthly payments. 
However, when I called to again advise that this amount for escrow was still incorrect, I was told it had been changed to {$240.00} per month but they would no longer pay my homeowners. So now I am being charged {$240.00} and my monthly property taxes are {$66.00}. The rate for the current tax year went up to {$800.00} per year. 
This is completely unacceptable. I am being charged an additional {$180.00} per month for my escrow. This is three times what it should be. I am not made of money and do not have money to pay almost {$200.00} per month to sit in an escrow account and do nothing. 
In addition, I have never received anything in writing from this company that they are no longer paying homeowners. I could get no help from people on the phone. They kept saying they couldnt discuss it until my account was caught up. I am currently waiting for a Covid 19 Reluef payment to be made to catch my account up, it was paid to the lender a few days ago and has not posted. This should be irrelevant because this issue involves exorbitant charges for escrow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: SC

Complaint narrative:
I have attempted to dispute inaccuracies on my credit report from XXXX, Transunion and XXXX. There are several accounts that do not belong to me and I have contacted the bureaus by phone and mail regarding the accounts in question. The buraeaus have failed to provide the information requested to prove the accounts belong to me.

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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX of Capital One XXXXXX/XX/XXXX XXXX, VA XXXX RE : See Attached XXXX XXXX XXXX, I am writing to dispute a charge of {$75.00} to my credit card account on XXXX, XXXX. The charge is in error. I call Capital One every year for the last three years to dispute this charge. My daughter XXXX used to have an account with XXXX to use XXXX XXXX. She cancelled that account several years ago when she graduated college. But each year XXXX charged her credit card with Capitol One, in XXXX. Last year I call Capital One and complained about the charge, they advised to cancel her credit card and they would send a new one with a new number. We did that. This year XXXX charged her card again for {$75.00}. I call Capital One and disputed it again, they reversed the charge and they put it back onto my account again on XXXX. Capital one sent me paperwork showing XXXX charging my account again with a card ending in XXXX. The new card my daughter received last year ends in XXXX. I called Capital one and asked how they could make a charge on my account with a card that was inactive since XX/XX/XXXX. They said they can not do anything about it that XXXX is entitled to their money and they can charge the new card. I explained to them that Capital one advised me to cancel my daughters card and get a new one so this doesnt happen again. They refused to help me. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. This is obviously fraud on your end. 
Enclosed are copies payment records, and transactions supporting my position and experience. Please correct the error on my account promptly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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.

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 inructions 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 Any other adverse item 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 the 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 2023-10-19 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: FL

Complaint narrative:
Please see below the clear violation from this company : To Whom It May Concern : My name is XXXX XXXX. I am sending this letter on my behalf. 

I recently received a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX XXXX  with account number XXXX XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX  with account number XXXX Your company is in clear violation of the consumer protection laws outlined in 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ) and 15 U.S. Code 1692e., THE LAW CLEARLY STATES : 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ), reporting during Covid-19, as per this law, in times of declared emergencies, such as the ongoing pandemic, credit reporting agencies are required to update accounts to reflect that payments were not late.

You have failed to meet the requirements of this law, and for that I have submitted a report to the CFPB.

I assert that the accounts, which is currently marked as late on my credit report, should be updated accordingly to reflect that no late payments occurred during the specified period of Covid-19.

Additionally, I draw your attention to 15 U.S. Code 1692e, which pertains to false or misleading representations. In my view, the late payment entry on my credit report is false and misleading. I have meticulously maintained timely payments for all my accounts, including the one in question. It is disheartening to see this inaccuracy on my report, as it tarnishes my creditworthiness and undermines my financial credibility.

I hereby request that Experian to rectify this matter promptly by updating the entry for the accounts, to reflect that no late payments occurred during the Covid-19 period, as mandated by 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ). Additionally, I kindly ask that you remove the false and misleading late payment entry from my credit report under the provisions of 15 U.S. Code 1692e.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
So i was purchased a USED XXXX XXXX XXXX XXXX Back on XXXX XXXX. 
The sales know i am in a rush and need finacing.They put some unnotice extra charge on it. 
The car mark as XXXX USD but they make the whole loan end up like XXXX and financed amount become XXXX even with my down payment for XXXX the car bought from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX and it has pre delivery fee I AM NOT EVEN NEED THE CAR TO DELIVERY I GO TO THEIR STORE TO BUY IT

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 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023 I received a notice letter ( dated XX/XX/2023 ) from Chase that they are closing my personal checking bank account.

I understand that Chase has the right to end their relationship with any client at any given time. However, I am really surprised by the notice letter being that chase is kind of giving a reason which does not apply to me for closing my personal checking account. The reason stated in the notice letter is : We have decided to close your accounts because of unexpected activity on this or another Chase account.

As a loyal and good Chase client for almost XXXX decades, always keeping a positive balance in my Chase bank accounts, and never did anything more than personal transactions from my Chase bank accounts, I find this notice letter to be unfair as to the explanation given ( mentioned above ). 
On XX/XX/2023 I received the same notice letter ( dated XX/XX/2023 ) regarding my XXXX sons ( ages XXXX & XXXX ). Chase is closing their savings accounts because of unexpected activity. 
I am a wife to my lovely XXXX, and the mother to our XXXX XXXX XXXX XXXX XXXX XXXX  mentioned above, as well as a XXXX XXXX XXXX girl ) and find this notice letter to be hurtful and shameful to someone like myself. All I live for is my husband and our wonderful children. I am a quiet person and do not abuse any of my financials including my banking privileges. Hence, there is no reason Chase should have identified any unexpected activity from any of my accounts or my children 's accounts. 
I am complaining because I feel that Chase is not recognizing my loyalty, and proper use of any Chase bank accounts I have ever had and currently have. 
And regarding my XXXX sons savings accounts that Chase is closing because of unexpected activity, all I have to say is that there is no way that they have or had any unexpected activity from their accounts. There has only been a few deposits into each one of their accounts and it was either birthday money they received from their grandparents, distribution funds from a family trust, or holiday gifts received from friends and family. I worked on developing relationships with bankers in the local branches. The chase mobile app, as well as their online website are very user-friendly and I do not want to have to change banks, work on developing new relationships with bankers in the local branches, and learn a new banking mobile app and/or online website. We do not deserve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-10-19 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: FL

Complaint narrative:
i filed a dispute because XXXX XXXX  reported that my account is still in foreclosure or foreclosure was initiated. the account was paid in full and should be reported as such. the house was sold in XXXX and the mortgage company verified the debt was paid in full so they should report it to the credit bureau as paid in full

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i filed a dispute because XXXX XXXX reported that my account is still in foreclosure or foreclosure was initiated. the account was paid in full and should be reported as such. the house was sold in XXXX and the mortgage company verified the debt was paid in full so they should report it to the credit bureau as paid in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: FL

Complaint narrative:
i filed a dispute because XXXX XXXX reported that my account is still in foreclosure or foreclosure was initiated. the account was paid in full and should be reported as such. the house was sold in XXXX and the mortgage company verified the debt was paid in full so they should report it to the credit bureau as paid in full

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 2023-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Avid Acceptance, LLC
State: IN

Complaint narrative:
I have requested to refinance. They state to go to a car dealership any to request. Also if I am 1 day late well within 30 days they will call me 5+ times a day different agents and place fees on there before 30 days has past and email me over and over.

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 2023-10-19 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 Chapter 13 Bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-19 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
There has been a charge off on my account including the balance. This debt has been paid off and it should not be on my credit report. ( 15 us c 1681 ). I have not received a 1099c form being that the debt has already been was paid and sold.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Per FCRA, 15USC1681E ( B ) all information must have maximum accuracy ... the date bankruptcy reported is incorrect... more importantly the bankruptcy court did not report the information to credi bureaus, therefore the information obtained could not have been verified by the court ... that represents inaccuracies and by LAW and should be deleted immediately from all 3 bureaus Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief