vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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: PA

Complaint narrative:
According to 15 USC 6802-6805, 16 CFR 433.2, 16CFR 433.3 and 16 CFR 313.7 I haven't received an oped out request and I have the right to oped out and request to be oped out. Under the terms and conditions and privacy notice of dept of ed/XXXX  as well as XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX it states that these companies dont provide my information to non affiliates like XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and Equifax which are all third party companies. Proof of claim is my XXXX XXXX XXXX report. The Educational and Privacy Act of 1974 also states that my XXXX  wasn't suppose to provide transaction history to any third party companies. Dept of educationXXXX violated my rights which financially and emotionally damaged me. Also on 15 USC 1681, the certificate of indebtness is income and must be removed. Under the fair credit report act page XXXX it shows that these companies violated my privacy. Also 5 USC 522A, They are NOT to give my social security number out. Lastly promotional inquiries are also a violation. By law, I am suppose to be compensated {$1000.00} per violation. 17 CFR 424 shows proof that these companies committed language fraud and solicitation because under these companies XXXX and XXXX reports, it clearly states that they will NOT conduct solicitation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: GA

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 Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: GA

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 Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I was XXXX from XX/XX/year> to XX/XX/year>. My bank chase was notified of fraud transactions on or about XXXX XXXX once I was able to file properly of said fraud transactions. Upon later finding that they in turn did not believe it to be valid, took money from my account that was credited even though I sent in documents validating my claims. They have constantly said they need more proof or that I did not file all charges when I have. They are not helping me and I am not only out money that was stolen from me. But money they took back from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I have mortgage with the company PennyMac Loan Services. I have been paying on time as shown in the attached files and they still reported a late payment in XXXX which they have not corrected yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: CA

Complaint narrative:
XXXX  has placed a collection item on my credit report it was opened on XX/XX/year> on transunion yet on XXXX  it says it was open on XX/XX/year> which is wrong therefore needs to be deleted. 

this account in nearly 7 years old which according to the FCRA is by law needs to be 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 non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Commencing on or around XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX ( XXXX ), which involved me making deposits for a total amount of XXXX USD from my Hunitngton Bank account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
Mr. Cooper bought my loan XXXX years ago. Ever since then, I have tried to get my condominium home insurance escrowed into my loan, my insurance company would send them all of the documents necessary to get my insurance escrowed in but Mr.Cooper refused to escrow my insurance policy in and not pay my insurance company causing them to terminate my policy. I have called both my insurance company and Mr. Cooper both last year and this year to fix the problem, but it hasnt gotten fixed. It has been XXXX years in a row that this has happened and now Mr.Cooper is threatening to charge me with fees and other charges for this issue. I dont know what to do anymore, I cant get a hold of any of the folks that I talked to from Mr. Cooper that said that they would help me fix this recurring problem and assured me that it wouldnt happen again, but its happening again and I don't know who to call. Please help me. I am a single mother just trying to make it through, day by day, and I cant find a solution for this problem. I cant afford to pay for a whole years worth of insurance in one payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMW Financial Services NA, LLC
State: WA

Complaint narrative:
I was leasing a car from BMW. Payments were 100 % current. the car was totaled in an accident. My insurance company valued the car at current market, and asked BMW for the payoff of the lease obligation. Insurance paid them within a few days and sent me a check for the difference minus my deductible. BMW later came back and claimed they were entitled to the equity and refused to apply the payoff check received by insurance. My attorney advised me that according to the lease document, i was entitled to the equity which was created by my substantial down payment at the time of the lease commencement and the Covid-created market conditions that increased the value of the car. BMW can not convince me that if someone leases a car valued and insured for {$50000.00} and the customer put down {$10000.00} and signs a lease calling for payments based upon the residual value of {$40000.00}, and the following week, the car is totaled and valued at {$48000.00}, and the insurance company agrees to pay market value so they send {$40000.00} to pay off the lease, then the {$8000.00} equity will also go to BMW? I don't think so. The outstanding balance that BMW claims I owe has now been sent to collections and my credit score has been reduced by about XXXX points. that is not fair and its not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: CA

Complaint narrative:
As of late I decided that I need to keep a closer eye on my credit report. Upon review I was shocked and horrified to find a myriad of errors being reported on my credit report. These inquiry reportings are unsubstantiated and causing mayhem in my personal and business life. I am needing to get funding for my business and these dubious errors are causing unnecessary stress and harm to my mental health.

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 2024-01-17 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:
When looking at my credit report I found that there was a major error on my account. I am suffering from extreme XXXX  due to this. I need to buy a new car and this error is causing big problems for me in my relationship because it is preventing my partner and I from getting our new car. I need this error removed immediately, my rights are being violated and I demand these inaccuracies be corrected at once.

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 2024-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Elite Financial Services, Inc (MA)
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX XXXX  I made a debt settlement payment of {$2100.00} through Elite Financial Services to XXXX XXXX I was informed by Elite Services that this was a settlement that XXXX and XXXX agreed upon and would clear any other amount I owed. Elite Financial Services uses XXXX XXXX XXXX to make payments. 

1 ) Elite Services has never provided me with written information on any of the settlements I have completed. 
2 ) XXXX says they returned my account to XXXX on XX/XX/ and do not show a settlement payment. 
3 ) XXXX XXXX department says they haven't received a payment since XX/XX/. 
4 ) I have not received any paperwork from XXXX nor from XXXX the entire time I have been in dispute and or settlement with them. 

The payment was made, money was taken out of my account, and not one of these companies is taking responsibility to post this money. Fuerthermore, Elite Financial Services owes me a refund of {$1200.00} per the case manager I have spoken with. Finally, Elite Financial Services does not return my phone calls nor do they return my email requests to speak.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: GA

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 Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Goal Structured Solutions, LLC
State: LA

Complaint narrative:
My employer requires lender signature for VA Form 10-0394A. 

Called Launch Servicing in early XX/XX/XXXX to inquire process for obtaining their signature on this form. 

Launch Serving rep advised to use their messaging portal. 

Sent message on XX/XX/XXXX with form attached as advised. Launch Servicing website advises they will follow up in 2-3 days. Received no response from Launch Servicing. 

On XX/XX/XXXXXXXX I sent additional message requesting update on status of request. Again, received no response from Launch Servicing. 

On XX/XX/XXXX, I sent an additional request noting that this was my 3rd request. 

This is a time sensitive request. I'm applying for Education Debt Reduction Program ( EDRP ). EDRP application must be completed in a certain timeframe or else I become disqualified for program that will provide substantial finacial relief of debt burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my tederaily protected consumer rignts to privacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC has sent multiple letters and statements claiming that I owe them an amount of money that has yet deemed to be proven. I have never used LVNV Funding LLC, I have never received a service from them and I am being contacted frequently for collection of money for a debt that is not mine. I have disputed this account and LVNV Funding LLC has never shown any signed agreements or contracts with my signature. My credit report has been reported negatively due to false reporting of this unknown debt/account. I demand that this be removed from my credit report due to inability to prove my ownership of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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:
There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.

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 2024-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
On XX/XX/2023 and XX/XX/2023, I submitted dispute letters and reported disputes to the credit bureaus, requesting debt validation, to ABILITY RECOVERY SERVICES , LLC, seeking information about the validity of one of two accounts they are attempting to collect : 1. Account number : XXXX XXXX XXXX | Amount : {$610.00} Despite the 30-day window provided by the Fair Debt Collection Practices Act ( FDCPA ), I have not received a satisfactory response from the debt collector. 

ABILITY RECOVERY SERVICES , LLC has also persisted in their collection activities, negatively impacting my credit score with the credit bureaus. 

I believe ABILITY RECOVERY SERVICES , LLC is in violation of the Fair Debt Collection Practices Act, specifically regarding the failure to validate the debt within the statutory period and ongoing collection efforts during this time.

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 2024-01-17 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: IN

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 2024-01-18 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: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-17 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: CA

Complaint narrative:
As of late I decided that I need to keep a closer eye on my credit report. Upon review I was shocked and horrified to find a myriad of errors being reported on my credit report. These inquiry reportings are unsubstantiated and causing mayhem in my personal and business life. I am needing to get funding for my business and these dubious errors are causing unnecessary stress and harm to my mental health.

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