vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I was able to bring my account up to date last year with assistance from XXXX but my requests for loan modification have been ignored. I would have been able to make my payments if Mr. Cooper would have modified my loan. I had filed in XXXX XXXX to stop the foreclosure but I didn't fill out the court form correctly. 
I had notified Mr.Cooper 's general counsel that there was fraud involved with my house- I am over XXXX and XXXX XXXX. Two of my XXXX have the same attorney and same land surveyor and both installed fences on my property. I have filed complaints with law enforcement and was in court to have the XXXX and their attorney take down their fences but it is still in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: TX

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

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 2024-12-12 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: TX

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

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 2024-12-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-12-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good afternoon I am dealing with a bank called Chase a XXXX individual chase. I open my business XXXX XXXX XXXX to sell and flip properties to buy properties. Theyre going to be large transaction from I open the business Chase account Ive been having problem, transferring money, depositing money and sending money to my own personal Chase account. I have never had this problem with XXXX XXXX our XXXX XXXX XXXXXXXX. They too have my business account with them, but Chase is being discriminated against me because of this last transaction I am doing is XXXX time now I have to go to the branch to verify my transaction and verify my identity because a XXXX XXXX can not be XXXX {$20000.00} and a day or {$40000.00} in a day on white people are alone can make it Monday I deposit at {$20000.00} in my account and a {$170.00} in my account. They cleared the {$170.00} and put my {$20000.00} on hold for eight days. Tell me if this bag do not want to sabotage me in every means and every way this is a {$20000.00} closing funds that I pay extra into closing it. Theyre just returning back the funds to me. I do not know why I use Chase to clear this funds. I should have used XXXX XXXX because the trouble Ive been having with them for almost 3 months with this business account this was not the first account I have with large transaction that I am having problem with them with because I told them close their account and I started to withdraw my money out of the business account into my personal account. They flagged my account. I said I need to verify my business all because I want to close my account I want the {$20000.00} clear they transferred it to my personal account and close the business because they are sabotaging my XXXX XXXX business company that does flip and sell and rent. I need a solution to get my {$20000.00} from Chase immediately because now I feel like to file a discrimination class action lawsuit against Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: NC

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
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 information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and 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 am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Bank of America and 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 2024-12-12 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX has an older trade line on my credit bureaus which I have disputed but since the credit bureaus make money from XXXX XXXX they side with them on the validity of this debt. This has caused me significant stress as I have a very XXXX XXXXXXXX ( XXXX XXXX XXXX ) which stress causes me to have painful spasms. I am XXXX XXXX XXXX under SSDI Compassionate Allowance List for XXXX XXXX. I have disputed this older trade line but never received any letters or statements as required by federal law under FCRA and FTC that show this debt as valid. Since I never received and mail regarding this debt to validate as required by law, I kindly ask this tradeline be deleted from credit bureaus. If not deleted, I also intend to find a ADA ( American Disability Act ) complaint as I am disabled and it should not cause me more stress with my disease trying to get written validation of debt that it is mine. Since I did not receive any letters years ago, I kindly ask this tradeline be deleted off my 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 non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX has an older trade line on my credit bureaus which I have disputed but since the credit bureaus make money from XXXX XXXX they side with them on the validity of this debt. This has caused me significant stress as I have a very rare XXXX ( XXXX XXXX XXXX ) which stress causes me to have painful spasms. I am XXXX XXXX XXXX under SSDI Compassionate Allowance List for XXXX XXXX. I have disputed this older trade line but never received any letters or statements as required by federal law under FCRA and FTC that show this debt as valid. Since I never received and mail regarding this debt to validate as required by law, I kindly ask this tradeline be deleted from credit bureaus. If not deleted, I also intend to find a ADA ( American Disability Act ) complaint as I am disabled and it should not cause me more stress with my disease trying to get written validation of debt that it is mine. Since I did not receive any letters years ago, I kindly ask this tradeline be deleted off my credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX has an older trade line on my credit bureaus which I have disputed but since the credit bureaus make money from XXXX XXXX  they side with them on the validity of this debt. This has caused me significant stress as I have a very XXXX XXXXXXXX ( XXXX XXXX XXXX ) which stress causes me to have painful spasms. I am XXXX XXXX XXXX under SSDI Compassionate Allowance List for XXXX XXXX. I have disputed this older trade line but never received any letters or statements as required by federal law under FCRA and FTC that show this debt as valid. Since I never received and mail regarding this debt to validate as required by law, I kindly ask this tradeline be deleted from credit bureaus. If not deleted, I also intend to find a ADA ( American Disability Act ) complaint as I am disabled and it should not cause me more stress with my disease trying to get written validation of debt that it is mine. Since I did not receive any letters years ago, I kindly ask this tradeline be deleted off my 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 2024-12-12 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: PA

Complaint narrative:
Sallie Mae has been falsely overcharging me my loan was XXXX dollars, I been paying it for 4 years {$110.00} a month which mean my debt should be at XXXX dollars

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: CO

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED A FRAUDULENT ACCOUNT THAT IS NOT MINE, AS MY INFORMATION WAS EXPOSED IN A DATA BREACH. THESE ACCOUNTS ARE HINDERING MY ABILITY TO BUILD AND OBTAIN CREDIT, THE COLLECTION ACENCY ( XXXXXXXX XXXX XXXX XXXX XXXX AND THE ORIGINAL CREDITOR ( XXXX XXXX XXXX XXXX XXXX XXXX HAVE NO PHYSICAL OR VISUAL EVIDENCE PROVING IT'S MY ACCOUNT. I HAVE EVIDENCE OF ME BEING A VICTIM OF FRAUD FROM MY BANK ACCOUNTS AS WELL AS OTHER AREAS OF MY PERSONAL AND FINANCIAL LIFE, I HAVE NOT GIVEN ANY PARTY IN THIS WHOLE SITUATION CONSENT TO ADD THIS FRAUDULENT ACCOUNT ( THAT DOES NOT BELONG TO ME ) TO MY CONSUMER REPORT OR MY CREDIT REPORT.

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 2024-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I opened an account with Venmo on the XX/XX/2024. I received a direct deposit of {$31.00} they instantly suspended my account after accepting all the requirements and documents i needed to identify me.i linked my bank accounts and they said I did it successfully and now they won't let me have my money still today is the XXXX of XXXX .and they sent me a Venmo debit card and I can't get my money with that either my bank loaned me {$50.00} and I was going to pay them back with my Venmo account and this feature was very helpful and because of Venmo they took that option away and I still owe them while they add {$1.00} Everytime they check to see if I have the funds to pay back the loan.and also I worked XXXX weeks for that money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-12 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
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 information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under trafficking according to XXXX 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 am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: LA

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: TX

Complaint narrative:
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 information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under trafficking according to XXXX 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 am a victim of human XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian.

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 2024-12-12 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 requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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