vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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 have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681section 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 an 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 conviction 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 imformation 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 2024-07-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C. 1681section 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 an 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 conviction 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 imformation 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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-07-02 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: NC

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-07-02 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: FL

Complaint narrative:
i have identified information on my report that are a result of identity theft these account does not belongs to me XXXX XXXX XXXX # XXXX. and these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: NV

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 XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : 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 XXXX 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 2024-07-02 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: FL

Complaint narrative:
Unauthorized Inquiry Dispute with Credit Bureaus Dear CFPB, I am writing to inform you that I have sent letters to three credit bureaus regarding an unauthorized inquiry on my credit report. Unfortunately, I have not received any response or updates on this matter. I have sent letters on XX/XX/year>, XX/XX/year>, and XX/XX/year> requesting that the unauthorized inquiry be removed from my credit report. I kindly request your assistance in resolving this issue and ensuring that the unauthorized inquiry is removed promptly. Your attention to this matter is greatly appreciated. Thank you for your prompt action on this matter.

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 2024-07-02 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: NC

Complaint narrative:
I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-07-02 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: MD

Complaint narrative:
My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates U

SC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I received notification my credit score dropped. Which is also ridiculous how a {$90.00} credit card in crease can drop your credit score XXXX points. But in the same breath paying your credit card bill down by {$490.00}. Only brings it up two points. I am not sure if this is something FTC should look into but its hard to keep credit up with drops this large. Anyhow, I received notification XX/XX/XXXX regarding two missing mortgage payment in XXXX and XXXX of XXXX. This is in relation to issue I had with my XXXX XXXX account complaint # XXXX. My bank did initially cause the issue with the {$39.00} NSF fees being taking out off account causing mortgage pymts to return however, allowed for I insurance pymt to go through with no money and charge that and fee. Reached out to mortgage company XX/XX/XXXX spoke with XXXX who state she could fix because they report as paid and cant change. She said she understood what happened. Hadnt missed a payment since XX/XX/XXXX waiting for fraud unemployment case to clear ( 8month process ) and nothing they could do about that although on a payment modification plan. She said she could send my records I could dispute through credit bureau and they would investigate that way. Did as said and still rejected investigation and payments remained late. Although it took the mortgage/bureau to show delinquent six months later after the purchase of a new car. I am look for these late fees to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My business partner and I opened 2 business accounts at a chase branch in XXXX, GA on XX/XX/year>. On XX/XX/year> I had three casheir checks made at my previous bank and carried them for deposit at the Chase branch. ( XXXX, XXXX and $ XXXX ) they were all deposited in one account. Later I did an online transfer for the XXXX from one account to the other. Again both partners own the two entities and accounts were open at the same branch on the same day. The funds were put on hold, the account was suddenly closed without notice. I inquired with Chase at eh branch and they said it was suspected fraud and that they sent one email to that effect. Now, 4 weeks after the deposit was made and I am yet to receive my $ XXXX. Chase would not explain why was it help and I have spent several hours this week and last week at the branch and on the phone with no answer. The branch staff including the branch manager say that they are puzzled and have no control over this nor do they have any authority to give me my funds back. The customer no service lines transferred me today from one department to another 5 times and I wan on the phone for 2:34 minutes. Still no one can tell me why the funds are held or how I can get my funds back. Chase has been holding XXXX of my funds that I need to do business with absolutely no reasonable explanation or any desire to help or resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
Servis One inc improperly and inaccurately reporting late payment information to my credit bureau, violating RESPA and resulting in damages. I am filing a lawsuit against them. I encourage all others who have had this happen to them to do the same. If they have done something similar to you please contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase closed my mothers account and now is holding her fema check. chase states they need verification from treasury department in which we have called fema us treasury and finally were give a number where they can verify in which chase states they called but no verification. i dont get why we are having so much trouble with my mothers fema check when there are real scammers out there and dont get asked all of this. 
Check was given to my parents for damages to their house from recent XXXX texas storm we have not been able to fix it to make it livable for them with all of this. Been trying to have this resolved since last week one day was about 12 hours back and forth with fema chase treasury. Today it has been 6 hours and same thing back and forth with chase fema treasury and state of texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I am writing to urgently bring to your attention a serious issue regarding Lockhart , Morris & Mont, a collection agency that has erroneously reported a debt on my credit account. This agency has no legitimate basis for their claim as I have never conducted any business with them or with the original creditor they reference, XXXX XXXX XXXX XXXX. 

On XX/XX/year>, I was involved in XXXX XXXX XXXX XXXX where I was fully insured through XXXX XXXX. Following the accident, I received XXXX XXXX from XXXX XXXX. It is important to note that XXXX XXXX was properly informed to bill XXXX XXXX directly for all medical expenses incurred, as mandated by Florida law which covers accident-related medical bills in full. 

I have confirmed with XXXX XXXX that all medical bills related to this accident were promptly settled. Therefore, I am deeply concerned and confused as to why Lockhart , Morris & Mont is unjustly reporting a debt connected to this incident. 

This erroneous reporting is not only unjust but is severely impacting my credit report and potentially my financial well-being. I urgently request the Consumer Financial Protection Bureau to investigate this matter with the utmost urgency. I insist on the immediate removal of this inaccurate account from my credit profile and seek assurance that it will not be reinstated in the future. 

I appreciate your prompt attention to this serious issue and look forward to your swift resolution. Please feel free to contact me at your earliest convenience should you require any further information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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 recently reviewed my report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report. They are affecting my ability to obtain credit.

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 2024-07-02 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.

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 2024-07-02 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: FL

Complaint narrative:
On XXXX my monthly payment increased {$1200.00} due to increase in escrow account. I applied for a temporary loan modification and provided all requested documents. However, the proof of HOA payment was rejected ; Mr Cooper sent me a letter requesting me to contact the loan modification specialist for further assistance. That was on XX/XX/year>. Since I have called multiple times - on XX/XX/XXXX I dialed 10 times - but the automated systems didn't provide me an option to speak with an agent ; moreover, I was in touch with a refinance agent - only department with live agents. 

It is a federal law that a mortgage company must have a person assigned to speak with about my account ; it is called the contact law which Mr Cooper violated since I applied to the loan modification. 
In summary, the only live agents I am able to speak with are the ones selling refinancing loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
I filed two disputes XXXX XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX XXXX buy XXXX $ on XX/XX/XXXX and again on XX/XX/XXXX The bank instantly closed both disputes which is Why i opened it twice will try opening it again for a third time while this claim is open.But the bank did not investigate the claim at all i have evividence to proof my claim but they did not even ask for it the total for both disputes is XXXX $

Company response to consumer: Closed with explanation