vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: NY

Complaint narrative:
I am writing to urgently address the inaccuracies that persist on my credit report. These errors are significantly impacting my entire life and hindering my efforts to improve my financial situation. 

The inaccuracies on my credit report have led to several negative consequences, including difficulty obtaining loans, higher interest rates, denial of housing and employment opportunities. These repercussions have created immense stress and frustration, making it exceedingly challenging for me to navigate my financial responsibilities and achieve my goals. 

As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which entitles me to accurate and fair credit reporting. However, the presence of these inaccuracies undermines the integrity of my credit profile and violates my rights under this important law. 

I am actively striving to better my financial standing and take control of my future. However, the inaccuracies on my credit report serve as unwarranted obstacles in my journey toward financial stability. Removing these erroneous items is crucial for me to move forward and rebuild my creditworthiness. 

I implore you to expedite the process of investigating and rectifying these inaccuracies on my credit report. Your swift action in removing these items will not only alleviate the burdens I currently face but also empower me to make meaningful progress toward my financial well-being. 

Please understand the urgency of this matter and prioritize its resolution. Your cooperation and assistance in resolving this issue promptly are greatly appreciated. 

Thank you for your attention to this pressing concern. I eagerly await your response and the necessary actions to correct the inaccuracies on my credit report. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-23 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I emailed portfolio recovery about a debt they attempted to collect. Below is the email sent XX/XX/2022. They never responded nor provided proof of ownership. 

Good evening, My name is XXXX XXXX ( formerly XXXX ) and I am writing to receive validation about an amount that this company is claiming that I owe. 

I require these few pieces of information provided within 30 days : XXXX. I would like the original contract with my wet signature. 

XXXX. Please provide me with your creditor information ( name, address, phone number, and license number ) XXXX. Please provide with with the full payment history from the original creditor including itemized payments. 

XXXX. Proof of ownership from your agency. Meaning proof that you are authorized to collect any debt from me. 

XXXX. Proof that the statute of limitations has not expired. 


I look forward to your timely response. 

Have a good evening. 


I still have received calls and when I asked for the documents, they said they mailed them to me. The only letter they gave was stating that the ownership was determined valid. They never gave me the proof I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: UT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-23 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: UT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
i disputed the item on my credit report XXXX XXXX XXXX XXXX XXXX  it is still showing open after 30days on XXXX XXXX it is illegal to buy someone identity and try to collect without ones consent and report to the public usc 15 6802. they will provide wet ink signature to prove contract exists between me and XXXX XXXX do not have my permission or consent. i also requested to know if they filed a 1099 for any of the 2 accounts being illegally reported on my report. no reply but i will file id theft form with irs as well in case they filed a 1099.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: WA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-23 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-23 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: CA

Complaint narrative:
This account was charged off on the following date XXXX XXXX XXXX XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statutes of limitations. I am demanding a deletion of the following account : 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 2024-04-23 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: CA

Complaint narrative:
This account was charged off on the following date XXXX XXXX XXXX XXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statutes of limitations. I am demanding a deletion of the following account : 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 explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MA

Complaint narrative:
I do not know who Jefferson Company is and have never heard of them. I have never received any mailing or phone numbers from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
Tryed to contact me via email, & other online platforms in witch I had no knowledge regards being sick in and out of the hospital, ask for paperwork to be sent to me via mail and never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Moore Legal Group, LLC
State: NJ

Complaint narrative:
XXXX of 2023 I enrolled in a debt consolidation company who offered this great opportunity to help me with my high debt. they took all my information and my credit card info. they said i would be connected with a law firm and someone from the firm wil come to my house to sign paperwork. i found out yesterday the company is a total scam. over the last few months they took {$500.00} from me. i am now stuck with the debt, and my credit took such a bad hit. i need help. what an awful thing to do to somebody

Company response to consumer: Untimely response
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I got the message that my bank account was closed by Chase in XXXX 2023. I called Chase from that day until now, the only thing they say is the money was been security checking by other department and I can not know exact reason. I requested for reopen my account, or just send my fund about {$2300.00}, then they just said call me for 10 days. Now, I wait for half year for my money, I don't want to wait anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: TN

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. 
XXXX- Account XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX- Account XXXX XXXX XXXX Account XXXX 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 an account without my written instructions.

15 U.S.C 1681c ( a ) section 5 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 personal shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
On XX/XX/2024 someone applied for a XXXX XXXX XXXX XXXX credit card in my name using my personal info. XXXX ran a credit report inquiry and called me to see if I initiated an application for which I said no. XXXX said they would cancel the card application and advised me to report identity fraud. I called the credit bureau and placed a fraud alert and disputed the inquiry onmy report for XX/XX/2024 by XXXX XXXX, reference # 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 2024-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Finally received a call from JP Morgan Chase to let me know that they received the check, funny they had not researched that prior to calling me and then researched while I was on the call prior to me saying anything with regard to the question. 

Additionally the Chase representative maintains and states for the XXXX time that XXXX will have to research my questions and get back to me with the answers yet they've sent me a check? $ XXXX in an envelope that did not require a signature???? 

No wonder CHASE has gained the reputation that it has!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: THRIVE MORTGAGE, LLC
State: TX

Complaint narrative:
We used XXXX XXXXXXXX XXXX XXXX XXXX- Thrive Mortgage to get a loan ( short term loan ), the basic terms being that we had 6 months to refinance it ( or pay it off ). We purchased our new home, then put our other home on the market. When we weren't getting buyers or interest in our old home, we needed to find a way to refinance the short term loan. Asked XXXX for quotes on down payments, they gave us numbers that turned out to be WAY off-saying we needed 40 % down. When I asked why, I was advised by XXXX XXXX to just " pay off my car '' (?? ). 
We decided to unlist our property to sell it ourselves to an investor in order to have the funds to refinance the short term loan. 
The same day, I received a call from XXXX XXXX stating that our house " can't be off the market '', & she told me You have 24 hours to get the house on the market or I will report you ''. I asked her for our contract so I could understand my rights. 
For 4 days, I received threatening emails, and calls daily from XXXX XXXX harassing me to get my house back on the market. After reviewing the contact-it turned out- there was NOTHING in the contract surrounding a requirement that our old home be on the market, or even that we sell it at all. I questioned XXXX on this, and she responded with " oh yea, you're on the old paperwork, so its fine ''. 
The threats and demands made by XXXX XXXX ( that were all based on a lie ) created extreme distress for us and caused delays in us selling our home since we were in fear. Because of the threats, the lies, along with being given incorrect numbers several times, we needed to end our business with them. 
In the original contract, it stipulated that IF we refinance with XXXX XXXX, they will waive their loan origination fee of {$6000.00}, but if we use another lender, they will charge the {$6000.00}. We felt fear from the threats and bad information provided by XXXX so we felt we had no choice but to use a different lender. We used another lender to settle the loan without issue. I asked XXXX several times to NOT charge that fee " on good faith '', but my requests were completely disregarded and ignored. 
XXXX is HIGHLY incompetent! It is unbelievable that a mortgage company would threaten a customer the way she threatened and harassed us, therefore we were were forced to use another company. We feel like we should not have to pay this fee to them because they are clearly incompetent. 
The attachment shows the emails in which XXXX was lying to me and saying my old house needed to be for sale, which was not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
complaint. 
XXXX XXXX XXXX  I hereby request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary enforcement actions against Equifax for their violation of the FCRA. I seek the following remedies : Immediate removal of XXXX XXXXXXXX XXXX  from my credit report. 
Enforcement of FCRA regulations to ensure EQUiFAX compliance with consumer protection laws. 
Compensation for damages incurred as a result of EQUIFAX non-compliance with non-compliance FCRA regulations. 
I have attached copies of all relevant correspondence and documentation, including the letter sent to EQUIFAX and any responses received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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:
Wells Fargo Auto Dealer Services completed a mediation with me on XX/XX/XXXX in regards to a past auto loan from XXXX. I initiated this mediation back in XX/XX/XXXX because I was not satisfied with the response or treatment I received when I started asking questions and wanting answers on financial reimbursement amount. Most importantly I was also sent a 1099 on the reimbursement! I have asked several times for clarification and it was also mentioned to mediator and completely dismissed and I was told to contact a tax specialist regarding the topic. My vehicle was financed and repossessed twice by WF and they also had a XXXX policy on my account without my knowing. I carried my own policy the entire time. No agreement was met and honestly it is very upsetting to have this re enter my life and rehash the emotional distress Wells Fargo caused me. The most recent letter from XX/XX/XXXX states that I have the right to file a complaint with CFPB. I am now in my XXXX month of this and have seeked legal representation and have not agreed to the proposed amount from mediation. Wells Fargo has not tried to reach me since the XX/XX/XXXX 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 2024-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FC HoldCo LLC
State: CA

Complaint narrative:
I got a new car by flagship acceptance financial. It was a loan for XXXX on a car that is XXXX and they have only reported eight months of it when I had it for more than 18 months and on their end they say everything looks great but on the credit report and any credit bureau its not getting reported Since XX/XX/2023 also everything that I have paid till then shows that I only have paid off {$1000.00} of it which the car basically still has a payoff of XXXX I have called I have done dispute, and there is nothing being done about 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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate. Here is the item I am asking to verify as accurate. Regional Finance

Company response to consumer: Closed with explanation