vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent a letter to Equifax to reinvestigate some items on report and on XX/XX/2023 Equifax sent a letter advising all items on credit report were correct and accurate, but how is this so when I checked my checked my credit report and there were several inaccuracies on these accounts XXXX account number XXXX, XXXXXXXX XXXX XXXX account number XXXX, and XXXX account number XXXX. Below show all the inaccuracies on these accounts I noticed after Equifax completed their investigation. 

XXXX account number XXXX is reporting date last active XXXX with Equifax and XXXX with XXXX. It also says last reported is XXXX with Equifax and with XXXX it is last reported XXXX. It also says date of last payment is XXXX with Equifax and with XXXX is say date of last payment is blank with a line. All of these items of information is found to inaccurate are reporting inaccurate and not 100 % accurate reporting on my credit report. 

XXXXXXXX XXXX XXXX account number XXXX is reporting date opened XXXX with Equifax and with XXXX is reporting date opened XXXX. It is also saying last reported XXXX with Equifax and with XXXX it says last reported XXXX. It also says date last active is XXXX with Equifax and with XXXX is says date last active is XXXX. It also says date of last payment is XXXX with Equifax and with XXXX is says date of last payment is XXXX. All of these items of information is found to be inaccurate between the two bureaus and not 100 % accurate reporting on my credit report. It shows a balance of XXXX. 


XXXX account number XXXX is also inaccurate showing charge off with a balance of {$14000.00} and last active date is XXXX and is showing Last Reporting date XXXX and was charged off before XXXX, which is inaccurate item of information and not reporting 100 % accurate with Equifax . 

I then sent a letter to Equifax on XX/XX/2023 to delete all 3 of these accoun

ts because there were not 100 percent accurate and should be deleted immediately according to Consumer Law 15 US Code 1681s-2 Responsibilities of furnisher of information to consumer reporting agencies Consumer Law 15 US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information. Equifax then sent me a let
ter updating the inaccurate information, which I didn't ask them to update but to delete and according to the two consumer laws l mentioned above these items should have been deleted not updated. I have attached a copy of the letter sent to Equifax to delete all 3 accounts because they were not 100 percent correct and my correct report should be 100 percent accurate and a photo copy of my report showing the inaccuracies of all three accounts listed above which was pulled after I received the results from equifax advising that their investigation was complete and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I have been dealing with a foreclosure action on my residential home in New Jersey for over two years. I have lost my job, am on XXXX and in long term care due to XXXX. Despite my XXXX, over the past 12 months my family and I have worked with my Servicer, Select Portfolio Servicing XXXX Inc., ( SPS ) to try to complete a short sale workout. My goal is to resolve this negative litigation in a more favorable end result for myself and my wife that will mitigate the negative credit on our consumer records due to this litigation. 
In XXXX and XXXX of 2023, the Ocean County Sheriff in NJ, set a sale at the same time my Realtor and Short Sale negotiator, XXXX XXXX XXXX, had a short sale offer in place. SPS representatives advised my negotiator that they needed 37 calendar days ( prior to the sale date ) to review the short sale offer. I requested two sheriff sale adjournments and attained an adjournment totaling XXXX days before the sale, to allow SPS to review the package ( see the attached Sheriff Sale adjournment verification letter ). 
Despite being provided over 37 days to review the offer, SPS has refused our efforts and advised in a rejection letter that they would not review the package because " there is a sheriff sale scheduled '' ( see the attached denila letter from SPS ). Given that they advised that they would make a good faith effort to review the package and that they too are allowed up to 60 days of adjournments in New Jersey, it is my position that the rejection was not adequately supported by the facts nor their promises to fairly review the offer ; they have acted in bad faith, and that by doing so, their actions will have a negative impact on my family 's credit. I would like to have this reviewed with them as soon as possible in order to allow my family a chance to resolve this issue through a short sale loss mitigation option, to benefit my family 's future credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the charge off that appears on my credit report, which I believe to be inaccurate and incomplete. According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), I am entitled to request that the credit reporting agency investigate and correct any inaccurate or incomplete information on my credit report.

Specifically, I am disputing the accuracy of the charge off that appears on my credit report, which is a violation of the FCRA 623 ( a ) ( 2 ). The charge off was reported by XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX for an amount of {$1300.00} or {$0.00} I'm unsure? Date of Charge Off is unknown because does not show on credit report. Date of last payment says XX/XX/2022 but shows no payment history. However, I believe that this information is inaccurate and incomplete, which is a violation of the FCRA 623 ( a ) ( 1 ).

In accordance with the FCRA 611 ( a ) ( 5 ) ( A ), I have enclosed copies of my credit report to support my dispute. I request that you investigate my dispute and, if you find that the information is inaccurate or incomplete, correct or delete the information in accordance with the FCRA 611 ( a ) ( 1 ) ( A ).

Please send me a written response to this dispute within 30 days of receipt of this letter, as required by the FCRA 611 ( a ) ( 2 ) ( A ). If you are unable to complete the investigation within 30 days, please provide me with an explanation of the delay and an estimated completion date, as required by the FCRA 611 ( a ) ( 2 ) ( B ).

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the charge off that appears on my credit report, which I believe to be inaccurate and incomplete. According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), I am entitled to request that the credit reporting agency investigate and correct any inaccurate or incomplete information on my credit report.

Specifically, I am disputing the accuracy of the charge off that appears on my credit report, which is a violation of the FCRA 623 ( a ) ( 2 ). The charge off was reported by XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX for an amount of {$1300.00} or {$0.00} I'm unsure? Date of Charge Off is unknown because does not show on credit report. Date of last payment says XX/XX/2022 but shows no payment history. However, I believe that this information is inaccurate and incomplete, which is a violation of the FCRA 623 ( a ) ( 1 ).

In accordance with the FCRA 611 ( a ) ( 5 ) ( A ), I have enclosed copies of my credit report to support my dispute. I request that you investigate my dispute and, if you find that the information is inaccurate or incomplete, correct or delete the information in accordance with the FCRA 611 ( a ) ( 1 ) ( A ).

Please send me a written response to this dispute within 30 days of receipt of this letter, as required by the FCRA 611 ( a ) ( 2 ) ( A ). If you are unable to complete the investigation within 30 days, please provide me with an explanation of the delay and an estimated completion date, as required by the FCRA 611 ( a ) ( 2 ) ( B ).

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 2023-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX 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 ha

s been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are i n VIOLATION!!! 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 I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting inaccurate and unverifiable information and has effected my lively hood. Because of this I have been denied jobs, housing and credit lines. Below I have attached a screen shot of the accounts that are inaccurately reporting per consumer protection law.

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 2023-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Hello Any advice would be great. 
I have an XXXX Credit Score. 
2 of my three credit cards, with one company, closed my account ( s ). 

With a high credit score, I also use my credit cards on a regular basis and my income has not changed.

Therefore, none of the typical three reasons to have a cc closed comes into play. 

I never had a reason to call my cc company for years. However, in the last two weeks, I had my cc declined two times. With {$13000.00} limit on one and {$17000.00} on the other, it shouldnt have been declined. Paid on my cards 5-8 times a month just so I never had a bill. 

So yes, I was mad when I called. About the cards. The workers laughed, made jokes and I got more mad. 

I was a great or excellent customer and not only should not have been treated this way about the declines, nor the final step of cancellation happened. 

Do I have any recourse? 

Even a small claims court attempt? 

I believe they took my words and ended my account. 

The worst part is the cards were also with Amazon and Southwest Airlines and I earned tons of points. That was important to me. 
Sounds a little like my freedom of speech were the cause. 

Any advice would be appreciated. 

Thank you for your time. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Got notification from Jefferson Capital that they have taken over a charge off loan from XXXX of XXXX ( loan ID # XXXX ). supposedly taken in XXXX either Jefferson Capitol is fraudulent and/or this debt was charged fraudulently. 
1 ) I have NEVER opened an XXXX XXXX XXXX ) I have NEVER CHARGED anything through XXXX 3 ) This was charged back in XXXX and I have NEVER received ANY NOTIFICATIONS from XXXX until now in XXXX which came with the documents sent by Jefferson Capital. The purported documents sent by XXXX through Jefferson Capital have no dates, address or any other identifying information to verify that this is indeed from XXXX. 
4 ) These billing documents supposedly sent to me I NEVER received. This is the first I am seeing them, again 2 years later, from Jefferson Capitol.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

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. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXXXXXX XXXX Account name : 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 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 2023-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
I received an email from Propser that they pulled my XXXX XXXX  and XXXX score yet I never applied for a loan.

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 2023-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My mortgage was transferred to PNC Bank several months ago. My original mortgage was not subject to refinance or escrow cancellation fees. 

I recently paid PNC Bank to reappraise my house and remove my PMI. I also asked the bank to remove my escrow arrangement because the bank greatly overestimated our tax and insurance fees for the upcoming year. 

PNC Bank agreed to remove my escrow, but only after I pay almost {$600.00} in fees. I called PNC Bank to inquire about these fees. I explained that I did not agree to these fees. However, the first representative I spoke with was very rude and dismissive. I was told that the fees were extra expenses applied by the bank, and that nothing can be done to waive the fees. 

I also asked PNC Bank to provide contact information for its legal department, so that I may communicate with the bank regarding this issue. Two separate PNC Bank representatives failed to provide this information. 

I was also told that a member of the PNC Bank escalation team would contact me within 48 hours to discuss this issue. However, nobody from the bank has contacted me. 

I believe that PNC Bank is acting in bad faith with regard to my escrow cancellation. Please let me know what further steps I can take to pursue my claim against the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: NC

Complaint narrative:
I contacted national credit adjusters about 2 months ago to clear a debt and pay it off in collections. The lady was nice and pulled up my account and told me that it was against the law for them to accept payment due to the being past the statue of limitations here. I respectfully asked what can we do and she said not pay it because they can't accept payment. I wan na resolve this somehow to purchase a home. This is a debt I was willing to pay but have disputed for 2 months no resolve from XXXX or nothing. The debt is {$1100.00} I was willing to negotiate but they can't accept payment please help me resolve this somehow or let 's work with the company to get this debt removed as a good will deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, SC XXXX XXXX 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 IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
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 I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief