vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: AR

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I have a CD at Flagstar Bank that I opened at my local branch in XXXX XXXX, IN. I have since moved to XXXX, FL. When my CD matured on XX/XX/year> I called the local branch stating I wanted to close out the CD and roll it over to my savings account. The wanted me to come in to the branch to close it out and it was then I told them I moved out of state to FL with no local branch available. They told me to go online and make the request through the messaging system. I made the request on the XXXX and the reply was " Thank you for contacting Flagstar Banking support. I would be happy to assist you with your inquiry today.

I have forwarded your request to our back offi ce for the transfer of the CD funds and account closure request.

As long as they do not need anything additional, I would expect that this process be complete within 2-3 business days.

I hope the above information is helpful, but if you are in need of further assistance or have any additional questions, please feel free to contact us at the phone number listed below. 
If you have further questions, please contact us at XXXX. 
Please visit fl XXXX for hours of operation and additional FAQs. 
Thank you for choosing Flagstar Bank Best Regards, XXXX This did not happen, they renewed my CD clearly against my request. 
I sent several Dear XXXX XXXX XXXX, Thank you for contacting Flagstar Banking support. I would be happy to assist you with your inquiry today.

I have forwarded your request to our back offi ce for the transfer of the CD funds and account closure request.

As long as they do not need anything additional, I would expect that this process be complete within 2-3 business days. 
I hope the above information is helpful, but if you are in need of further assistance or have any additional questions, please feel free to contact us at the phone number listed below. 
If you have further questions, please contact us at XXXX. 
Please visit fl XXXX for hours of operation and additional FAQs. 
Thank you for choosing Flagstar Bank Best Regards, XXXX, This did not happen, no call and so I thought all was fine. 
I sent several emails, attached, making it crystal clear I do not want to renew.

I opened another email chain under " close account '' and they stated i need to go to branch. So I guess it depends to whom you talk to at Flagstar. It is still unclear to me the real policy. This is clearly an internal training issue and not acceptable.

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 2024-12-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I paid for Lexington Law firm back in XXXX  I wan na say to clear my credit report from old bills and addresses a few years back to no avail. I paid a {$100.00} a month for the service and got nothing done. I eventually cancelled the service after some months to keep from being charged again because I didnt see where anything was coming off. I was young and clueless to the credit repair game, it was definitely a learning experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: ME

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 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 2024-12-30 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-30 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), anyconsumer reporting agency furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), noconsumer reporting agency may make any consumer reporting containing any of the following items of information : ( 5 ) Any other adverse item of information, other thanrecords of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Aperson shall not furnish any information relating to aconsumer anyconsumer reporting agency if the person knows or hasreasonable 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 2024-12-30 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), anyconsumer reporting agency furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), noconsumer reporting agency may make any consumer reporting containing any of the following items of information : ( 5 ) Any other adverse item of information, other thanrecords of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Aperson shall not furnish any information relating to aconsumer anyconsumer reporting agency if the person knows or hasreasonable 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 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
The company in question here Gurstel Law Firm , P.C . claiming to be representing XXXX XXXX I, XXXX who was claiming to be representing XXXX XXXX XXXX XXXX, has recently served opened documentation containing my personal information as well as false claims of judgments and debts against me with an order of wages garnishments to a place of business where I frequent which may or may not necessarily be my place of employment and even if it was, they have violated my rights. Both companies have been harassing me for many years without meeting my requests and this must stop. They are trying to collect a debt supposedly dated prior to XXXX  which may or may not exist and may or may not belong to myself as they have never provided me with proof of veracity of such debt neither they have been able to proof evidence of such debt matching my identity despite several requests from myself and from my attorney asking them to provide us with the original documentation and/or acceptable evidence of their claims. They have gone as far as filing a judgment in XXXX  against me which I was never served for nor they have any rights of doing so without substancial proof of their claims. Their latest actions have gone too far! They have recently served opened documents containing my personal information an the claims of the debt, to a place that may or may not be my place of employment trying to garnish my wages, causing me a lot of aggravation and also violating my rights. These 2 companies have broke many laws which are made to protect consumers and they must be stopped! By the amount of complaints filled against these companies, is pretty clear that their existence depend solely on predatory business against consumers and collections thru force and harassments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We DO NOT OWE the reported balance of {$400000.00} and the principal balance of Mortgage has not increased. The continued reporting of this FALSE INFORMATION is damaging the consumer credit rating. Resulting in the diminution of credit scores and the increased cost of money in day-to-day living.

Claimant : JPMCB Home, as Servicer is reporting. 
Account Number : XXXX Type : Mortgage Loan Amount alleged : {$400000.00} ( INCORRECT ) : {$400000.00} ( CORRECT ) o Amount reported appears as increased balance from the previous month. 
Monthly Payment : {$2200.00} ( INCORRECT ) : {$1800.00} ( CORRECT FIXED RATE LOAN ). 

o The agreed debt obligation is a fixed rate mortgage loan for 30 years. 
{$830.00} Principal XXXX Interest o NOTE : Escrow payments are not part of the Real Property Debt Obligation to the Creditor and is a voluntary act on the part of the Mortgagor. Therefore, the use of escrow payments into a loan balance reporting creates the illusion of the loan balance increasing. this false increase creates a false credit image in the Real Estate Loan dynamic.

I have a " FIXED RATE MORTGAGE 30 YEARS '' and have not missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate late payment entries on my credit report regarding my account with XXXX XXXXXXXX ( Account # XXXX ). These late payments appear to be reported in error, as the account is marked as Current across all bureaus and there is no valid evidence to support these entries. This is a violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Details : Account Name : XXXX  XXXX # XXXX Late Payments : The account is marked as Current across all three credit bureaus, yet late payments are reported inconsistently : XXXX : Reports 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
Experian : XXXX 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
XXXX : XXXX 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), and 120 days late ( XX/XX/XXXX ). 
This is a major discrepancy because : The Payment Status is listed as Current.

The Past Due amount is {$0.00} across all bureaus, meaning no payments were late or owed. 
XXXX. High Credit Discrepancy : XXXX and Experian : List the High Credit as {$510.00}. 
XXXX : Lists the XXXX XXXX as {$0.00}, which is incorrect and inconsistent with other bureaus. 
XXXX. XXXX XXXX Dates : XXXX and Experian : " Last Reported '' date is XX/XX/XXXX. 
XXXX : " Last Reported '' date is XX/XX/XXXX. 
Reporting dates in the future violate FCRA Section 607 ( b ), which requires timely and accurate reporting. 
XXXX. Date Last Active : XXXX : XX/XX/XXXX. 
Experian : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
These discrepancies suggest inaccuracies in the account activity information. 
XXXX. Payment History Contradictions : The Payment History shows late payments for specific months ( XXXX, XXXX, and XX/XX/XXXX ), even though the account status is listed as Current with no past due amounts. 




Violation of Consumer Protection Laws : Violations of 15 U.S.C. 1681 ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of consumer information. Reporting late payments on a current account violates this standard.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : I have the right to dispute any inaccurate information on my credit report. The bureau must conduct a reasonable reinvestigation to verify its accuracy.

3. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified as accurate, it must be promptly deleted or corrected.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Information furnishers, such as creditors, are prohibited from knowingly reporting inaccurate information.

5. 15 U.S.C. 1681s-2 ( b ) : Upon receiving notice of a dispute, the furnisher must investigate, review relevant information, and report its findings to the credit bureaus.

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 2024-12-30 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: FL

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-30 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: FL

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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