vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 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: TX

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 2024-08-14 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 per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture XXXX, a XXXX and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX XXXX ( b ) ( XXXX ). I kindly request that you block this information from XXXX XXXX XXXX within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my XXXX as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a XXXX XXXX letter according to XXXX ( b ) ( 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 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-08-14 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:
Subject : Complaint for Removal of Inaccurately Reported Foreclosure Redeemed Account - XXXX  Mortgage Dear CFPB, I am writing to submit a complaint against the inaccurate reporting of a foreclosed but redeemed mortgage account by XXXX  Mortgage on my credit files with XXXX and TransUnion. Despite the foreclosure being redeemed, the account continues to be reported with inaccuracies, affecting my creditworthiness. 

Account Details : Account Number : XXXX Account Type : FHA XXXX XXXX Mortgage XXXX XXXX XXXX XXXX : TransUnion XXXX XXXX Inaccuracies and Issues : Inconsistent Date Opened : TransUnion XXXX Reports XX/XX/XXXX XXXX : Reports XX/XX/XXXX Erroneous Account Status : TransUnion XXXX : Late XXXX  Days Experian Status : Foreclosure Both statuses fail to reflect the redemption of the foreclosure. 
Misleading Comments and Information : Comments refer to the foreclosure being started but do not adequately address its redemption, causing undue derogatory status to linger. 
Discrepancies in " Date Last Active '' : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Violations Under the Fair Credit Reporting Act ( FCRA ) : FCRA Section 605 [ 15 U.S.C. 1681c ] : Imposes rules on reporting obsolete information and mandates that all information be complete and accurate.

FCRA Section 611 [ 15 U.S.C. 1681i ] : Requires credit reporting agencies to investigate disputes regarding accuracy within XXXX  days.

FCRA Section 623 [ 15 U.S.C. 1681s-2 ] : Obligates furnishers of credit information to ensure the accuracy and integrity of the information supplied to credit reporting agencies.

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 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
On XX/XX/year>, XXXX restrictedmy account, I tried fixing the issue with customer service ; they said that they had escalated the case. I had XXXX phone calls with XXXX different representatives that all hung up on me as soon as I asked how can I access my money to withdraw it, I asked for a statement or document saying that XXXX is allowed to restrict my money like that ( I had provided info to confirm it was me, my full name, date of birth, email on file and XXXX XXXX of my ssn ) and thats when they say something like this is a recording line and I have to end this conversation then they proceeded to just hang up the phone call. This happened XXXX times on this same day and I still do not have access to my money. They were also rude, never really answering my questions they just changed the subject.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: IL

Complaint narrative:
I have been submitted letters, calling and unable to speak with proper person. I am the attroney in fact and secured party and demand accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: IL

Complaint narrative:
I have spoken with a chase representative in 2023 about a payment, I was informed that my account was up to date. After speaking with the representative, the informatioan she had given me was incorrect. I called in before and was told I needed to make another payment to catch up and the other representative was wrong. After making another payment, thinking my account was up to date, I saw that it was not. Spending weeks trying to rectify the inacuracy of my account, I saw that it was a never ending battle so I made an extra payment to be safe. 

Now, as I try to resolve this inaccuracy from misinformation from chase representative, looking at my credit report, I see it was not resolved. I was told that they can not give me a waiver, which I am not asking for. I am asking them to resolve their mistake. I am a retired veteran and I have been very sick from the after effects from the XXXXXXXX XXXX  and still to this day, trying to recover from it. 

I would like chase to remove the inaccuarcy of the two wrongful placements of the 30 day late payments from XXXX and XXXX of 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am asking for your assistance in dealing with this incorrect account that has been reported on my credit report. This issue has been raised because it has negatively affected my reputation, and I need your intervention. The way my credit report was handled has caused me great distress ; the false information has damaged my reputation. It is crucial that these mistakes are corrected so I can live in peace with my family.

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 2024-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I attempted to refinance to get away from Select Portfolio Servicing, as my mom had trouble with them for many years prior. My loan processing was going through until Select Portfolio added on a {$56000.00} processing fee that killed the loan. Further, at the time, the amount left on the loan was {$42000.00}, which is important to remember based upon the current issue. I also wanted to get the loan into my name, as my grandmother left me the house and everything is in my name. XXXX XXXX XXXXXXXX, the original lender, had me as a party on the account, but Select Portfolio kept removing me and making me run through hoops to get put back on ( my grandma is now deceased and I am in charge of the estate ). In XXXX of XXXX, due to my condo association not accepting cash payments, Select Portfolio started paying my condo fee and changed my escrow/p and I payment to XXXX. Of this, XXXX was for principal and interest, XXXX was for taxes, XXXX was for the condo fee, and the rest, or roughly XXXX was to pay back the negative XXXX in my escrow. It was assumed that after 10 months, my escrow would be back to positive ; however, Select Portfolio kept this payment going until XX/XX/XXXX when they raised my payment to XXXX a month AND said my principal and interest was raised to XXXX a month. When I asked them to run an audit and explained I was owed money ( it took them 4 years to even talk to me, as they kept saying I needed to fill another form or they lost this one and 15 phone calls ), they instead sent me a letter saying their calculation was correct and my escrow, which I have overpaid, was negative XXXX! I asked for a full breakdown of everything going in and out of the escrow to find out they were taking money and not crediting my payments anywhere, with XXXX here, XXXX there, XXXX another time, all adding up to the negative they were claiming but it was going nowhere. I wrote to them to do an audit this time, after they refused to acknowledge my request the first time ( on recording ) and, when calculating what was owed back to me on overpayments was nearly {$13000.00}. Then, I saw my balance was up from XXXX to now XXXX ( meaning they didn't credit payments at all ) and the {$56000.00} was now an advance, even though there was no advance to the account for anything and no explanation. Further, because they refused to fix my payments, even though I would make multiple payments a month, they started charging late fees that are erroneous. AND, they constantly make mistakes on my condo association fee, which was the whole issue in the first place, where they're constantly late on payments or send in the wrong amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning

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 2024-08-14 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: MA

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This account is been taken as long as they feel like to send back all the information we needed to remove this both accounts have been reported on my credit for over two months and when I contacted the company trying to find out more information on why are they continuing to tell the credit company and tell them oh well we have this to verify that this account is and belongs to the person name XXXX XXXX we can not find out how the information they are saying is more then a copy of a police report that I know I sent in but now it's just comes up lost file I think something is up with the company so be for I file this hard lawsuit against them and I understand they want tlbe able to pay it. Can you look in to this. Company name address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account is been taken as long as they feel like to send back all the information we needed to remove this both accounts have been reported on my credit for over two months and when I contacted the company trying to find out more information on why are they continuing to tell the credit company and tell them oh well we have this to verify that this account is and belongs to the person name XXXX XXXX we can not find out how the information they are saying is more then a copy of a police report that I know I sent in but now it's just comes up lost file I think something is up with the company so be for I file this hard lawsuit against them and I understand they want tlbe able to pay it. Can you look in to this. Company name address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-14 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: FL

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX  and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill. and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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 per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill. and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-08-14 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: LA

Complaint narrative:
Im writing regarding all negative reporting accounts. Please remove all negative reporting accounts.

It has come to my attention that you have disclosed my personal information to unaffiliated third parties without providing the required disclosures.

According to 15 U.S. Code 6802, you are legally obligated to provide three specific disclosures. After thoroughly reviewing all the documents provided by your institution, I have found that none of these documents included the required disclosures as stipulated under 15 U.S. Code 6802 ( b ).

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Also kindly remove all addresses that are not my primary residence XXXX XXXX XXXX XXXX XXXX, LA XXXX Ive attached my Drivers License along with utility bill, and SS card for verification. 

Anticipating positive results on your behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX, Several credit disputes were sent to Experian, XXXX and XXXX regarding the derogatory information on my credit report. It's not fair that these credit bureaus are not governed by law to respond any dispute requests that are sent to them. 

I want the below accounts investigated properly and I want a response back. I have been disputing these accounts for over 6 months. This is unethical and unacceptable. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- # XXXX XXXX XXXX XXXX- # XXXX Please start your investigation and verify this at once. - This is completely inaccurate. I would like to kindly bring to your attention that the data presented above appears to lack certification to meet the required reporting standards. Additionally, it is essential to acknowledge that this information may be incomplete, outdated, or unsupported. Therefore, I respectfully request the removal of any inaccurate or unsupported material from this record.

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