vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: TX

Complaint narrative:
Your company is in violation of my right and if this is not resolved i will be seeking litigation. you guys allow this frauduelent account to be reinserted back on my credit report after deleting it after i attached a ftc report and a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-02-15 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
MIDLAND CREDIT MANAGEMENT has failed to validate an " alleged '' debt in the amount of {$390.00}. According to the FDCPA, the validation information must include : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure. Show ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ). Show ( ii ) The consumers name and mailing address. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ). Show ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ). Show ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ). Show ( v ) The name of the creditor to whom the debt currently is owed. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ). Show ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ). Show ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ). Show ( ix ) The current amount of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: CA

Complaint narrative:
I am refiling my complaint with CAPITAL ONE through this complaint. I previously submitted a letter addressing discrepancies in my credit report, including inaccuracies related to the date of last activity, date opened, date reported, payment status, charges, and more. Despite my efforts to bring attention to these issues, CAPITAL ONE maintains that there are no errors in my report. However, it is crucial to emphasize that this account is fraudulent due to illegal and unauthorized charges. 
The investigation period has extended beyond 30 days, during which CAPITAL ONE claimed to conduct a thorough examination. Unfortunately, upon reviewing my credit report, I have not observed any corrections. The inaccurate information persists without any apparent rectification. I feel that my rights have been repeatedly violated, particularly as outlined in 15 U.S.C 1681 section 602 A, which underscores my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instruction. 
I am reaching out once more in the hope that CAPITAL ONE can promptly address and rectify these issues. Accurate reporting is crucial, and I trust that CAPITAL ONE will uphold its commitment to maintaining the integrity of the credit information it provides.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: 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. 

Account Name : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-02-15 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On Saturday, XX/XX/2024, I opened my CHASE BANK savings account and to my horror discovered that in 3 separate transactions, {$240000.00} had been fraudulently removed from my account. I immediately contacted CHASE, began a notice of fraud and disputed the transactions and closed the violated account. 

I was informed by CHASE the $ was attempted to be sent to 2 fraudulent XXXXXXXX XXXX accounts opened by the thieves, without XXXX contacting me, on Friday, XX/XX/2024. 

I truly believe that due to my efforts and pursuit of justice, the thieves never succeeded in acquiring access to my money. 

CHASE has reimbursed me in full plus some interest. 

Neither institution has apologized. XXXX informed me that they will no longer accept me as a client within their banking institution. 

XXXX XXXX XXXX XXXX. Had I committed such acts of negligence I would have been sued for malpractice. 

I would like to seek monetary damages against CHASE and XXXX banks for their breaches of security and for the detrimental physiological impact each have inflicted upon me. 

How can your institution help me? 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My mortgage is with Shellpoint Mortgage I am on the XXXX XXXX plan. I make XXXX payments every 2 weeks of {$2000.00} so that accounts for 2 extra payments to equal one full payment to help pay off a mortgage debt faster. ( Total monthly mtg payment {$4000.00} monthly ) The months with 3 payments are XXXX and XXXX. 
The payments I made in XX/XX/XXXX were ... XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
the first 2 payments went to the regular mortgage payment and the 3rd payment should have been applied to ... PRINCIPAL>ONLY. 
I called XXXX, XX/XX/XXXX and XX/XX/XXXX ( XXXX ) Each time i was told it would get re-allocated to the Principal only part of the mortgage. 
I recently found out that the first 2 calls the person did not do anything and the 3rd and 4th calls said I would have to wait until next month which i think is CRAZY! 
I should not have to call 4x for something that is supposed to happen automatically. 
This bank and this situation needs to be investigated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: FL

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX XXXX for Violating Consumer Rights To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against First Premier Bank for blatant violations of my consumer rights. Despite multiple attempts to resolve the matter directly with the bank, I have received no responses or assistance, leaving me no choice but to escalate this issue to the appropriate regulatory authority.

As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am invoking my rights outlined in 15 USC 6802. This statute grants me the authority to opt out of any and all authorizations, whether written, verbal, or non-verbal, that I may have previously granted to the bank. This opt-out is effective immediately, and I expect full compliance from XXXX XXXXXXXX XXXX  XXXX 

Furthermore, I urge you to consider the provisions of 15 USC 6802 and 15 USC 6805, which clearly outline the responsibilities of financial institutions regarding consumer privacy and data protection. XXXX XXXX XXXX XXXX disregard for these crucial statutes has resulted in a breach of trust and a violation of my privacy rights as a consumer. 

Additionally, I want to emphasize that as a consumer, I am entitled to the protection afforded by all laws stated in the Privacy Act of 1974. This legislation safeguards individuals like myself from unwarranted invasions of privacy and ensures that financial institutions handle personal information responsibly and ethically. 

I expect the CFPB to thoroughly investigate this matter and take appropriate action against XXXX XXXXXXXX XXXX for their failure to uphold my consumer rights. Furthermore, I request that you provide me with updates on the progress of this investigation and any steps taken to rectify the situation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: Scott Fetzer Financial Group Inc.
State: WV

Complaint narrative:
I have requested proof of this account being mine. XXXX responded with account verified. They have never sent me the requested proof of an account with United Consumer Final S and me. Please remove this from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXX of XXXX. I went to pay my mortgage payment and it was over {$200.00} higher. I immediately made contact with the company/servicer PHH MORTGAGE at : XXXX. I spoke to retention manager XXXX. He advised that my insurance went up and I was no longer 100 % permanent in total. He said I was partial so Im being charged property taxes. I advised him I was enrolled in XXXX and I was still 100 % permanent and total with the government and state. I also stated my insurance did not go up ; in fact, it does not renew until XXXX of XXXX. He confirmed that he had the tax exempt form from my county in my files, he does see Im exempt, but he believes its partial and my insurance went up. I emailed him the documents and contacted my insurance company, who confirmed it is still at XXXX ( XX/XX/XXXX- XX/XX/XXXX ) and it did not go up. They emailed a declaration page, I immediately forwarded to PHH MortgageAttention XXXX ). XXXX never returned my calls. He is completely unavailable. Customer service representatives for this company continuously read his notes, advising that he has not received any documents, and that he is not in his office and/or at work. They also formed me that he called me back at a phone number that was not my phone number and at an unknown email that is not my email. I confirmed my contact information, I have sent documentation to include, all my current contact information, and advised that my contact information is current with the company. I have not received no response and no explanation. I dont know why hes emailing and calling numbers that are not mine. I was forced to contact usa.gov mortgages submitted a complaint because my VA loan is being mishandled. My payments are extremely high. I was not contacted., of any explanation of why it was raised. And no one is returning my calls or emails and I have resubmitted the documentation that is already in their file. VA took the case two days ago, and begin investigating, because what Im being told is not true. The company continues to ignore me, but raised my mortgage for personal reasons which is unlawful. Ive never missed a payment nor been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( sections 604 A section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I gave my security for a car loan and bank of America took my security and denied me access to my right to credit. They discriminated against me and then kept my security for themselves. They committed fraud. And denied my tender of payment.

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 2024-02-15 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: 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 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: FL

Complaint narrative:
The collection account XXXX XXXX XXXX XXXX  does not belong to me. I have never done business with named business. I have asked them to stop contacting on over XXXX times as I didn't do business with them. I have asked for proof and a wet signature showing that I had/have a contract with XXXX XXXX XXXX XXXXt and as of today no one can provide proof as requested.

The law clearly states that under 15 USC 1681i ( 7 ) description of reinvestigation, provide proof that I did business with XXXX XXXX XXXX XXXX They clearly can not provide as I did not have a written contract with them not anyone else. XXXX XXXX XXXX XXXX XXXX account # XXXX I file a complaint months ago asking for this to be removed and they keep saying its been verified, how? as I do not nor have I ever had an account with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation