vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ

Complaint narrative:
Case Number XXXX Second Case Number that has been provided XXXX This is the second time I am writing to express my dissatisfaction with the inadequate response I received from Flagstar Bank regarding my recent complaint. I am hopeful that your department will take the necessary steps to thoroughly investigate and validate my concerns. As a person with a XXXX, I believe that my civil rights have been violated through discriminatory practices by Flagstar Bank Mortgage Loan. 

Please find the attached letter in which I have detailed my complaint. This should provide you with the necessary information to determine the wrongdoing committed by Flagstar Bank. 

My history with Flagstar Bank demonstrates a consistent and responsible payment record. I have never been late on any mortgage payment, whether it was for the FHA Mortgage Loan that I diligently paid for approximately 3-4 years, or the refinance loan approved in XX/XX/2021, which we obtained due to our excellent credit history. Furthermore, we have previously provided the same payment information for a home equity loan, which was used to our satisfaction. 

Unfortunately, during the recent application process for a mortgage loan, Flagstar Bank informed me that the income I receive from my Payee would not be considered valid. This decision, which I have contested in the attached letter, seems arbitrary and discriminatory. 

As a result of Flagstar Bank 's actions, we were forced to obtain a mortgage from XXXX two weeks later, with a higher interest rate. Consequently, I believe that I am entitled to both restitution and an adjustment in interest rate to reflect what should have been offered by Flagstar Bank. 

Please review the attached documents for further information and kindly assist in resolving this matter. I trust that your department will take the appropriate measures to ensure that justice is served, and that a fair and equitable solution is reached. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, Consumer Financial Protection Bureau

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I have been trying to negotiate with XXXX XXXX, my initial mortgage holder, for nearly 3 years to help me and offer me loan forgiveness or a loan modification. For nearly 9 months, they claimed they didn't have all information requested, reassigned the loan, lost the file, etc. The best they said they could do was offer a loan forebearance. I applied for assistance with XXXX on XXXX XXXX, XXXX. XXXX requested an I-record from XXXX XXXX within a few days but Wells FAILED TO RESPOND TO XXXX. Then, XXXX NEVER responded to XXXX 's request for information on my loan because they were too busy off-loading/selling my loan. This caused several weeks FURTHER delay with XXXX. Finally, I was notified that SLS was now in control of my loan on XX/XX/XXXX. XXXX XXXX caused a dely or over 4 months. I had to re-apply with XXXX  with this new information. I did this in XXXX, XXXX. Now, its XX/XX/XXXX and XXXX is saying XXXX hasn't responded to their request for my I-record. It has been over 8 weeks and they keep telling me to allow 5-7days! Well, they apparently had the incorrect loan number, which they discovered and fixed. Now, they have the correct loan number and insist they've requested the I-record from SLS several times. HOWEVER, I HAVE CALLED SLS OVER 10 TIMES TO VERIFY THEY'VE RECEIVED THE REQUEST FROM XXXX BUT THEY SAY THEY HAVEN'T. SO, I FILED A COMPLAINT AGAINST THEM FOR " FAILURE TO RESPOND ''. TODAY, IF RECEIVE AN EMAIL FROM SLS STATING TO HAVE XXXX CONTACT THEM AT A DIFFERENT EMAIL ADDRESS.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XX/XX/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 2023-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Note : Portfolio Recovery Associates was sued in a class action lawsuit in XXXX and again in XXXX for violations of FDCPA by which they lack sufficient evidence to properly obtain default judgments- ( see. Portfolio Recover Associates, LLC et al. Consumer Action ( XXXX  ) and XXXX. ) Portfolio Recovery Associates , LLC ( " PRA '' ) has violated my Consumer Rights and my rights to privacy in which they have furnished the credit bureaus with inaccurate, incomplete, and unverified information. ( see attachedments ) I have requested several times for PRA to provide me with sufficient admissible evidence of the debt 's existence. This was to include any and all information with original Creditor showing where PRA purchased the debt, wet signature documentation, accuracy of debt, ect. PRA has only responded with Portfolio Recovery Associates , LLC ( " PRA '' ) has violated my Consumer Rights and my rights to Privacy. They have cause great harm character voiding ability to obtain credit. 

I'm also requesting that of PRA, XXXX, XXXX, and XXXX to uphold their obligation under the FCRA to properly and fully investigate the accuracy of this account credit file and to immediately delete account without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, 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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Since XXXX I've repeatedly supplied Proof that JPMORGAN Chase has WILLINGLY supplied the 3 credit bureaus with falsified information about me, I'm no longer able mentally or emotionally to deal with JPMORGAN CHASE BANK OR THEIR STALKING, HACKING AND ALL OTHER METHODS OF ATTACKS AGAINST MY PERSON & PERSONAL FINANCIAL ACCOUNTS, IM STILL LOCKED OUT OF MY AMAZON ACCOUNT, BECAUSE SOMEONE REMOVED MY ACCURATE PHONE NUMBER AND REPLACED IT WITH THE NUMBER THAT JPMORGAN CHASE HAD IN MY ACCESS PORTAL TO SAID XXXX THEM, IM STARTED TO HAVE SEVERE PROBLEMS WITH FOCUS AND NORMAL DAILY ACTIVITIES DUE TO THE SHEER AMOUNT OF STRESS AND THE KNOWLEDGE THAT IM BEING KEPT HOMELESS DUE TO FALSIFIED INFORMATION ON MY CREDIT REPORT BY THEM IS JUST AGAIN TOO MYCH FOR ME TO DEAL WITH ANY LONGER, IVE ASKED YOU FOR A YEAR NOW TO HELP ME, YOU HAVE NOT DONE ANYTHING EXCEPT PASS IT OFF .... YOURE SUPPOSED TO PROTECT! HOW TF IS THIS PROTECTING ME???? IM A XXXX CITIZEN OF THE UNITED STATES OF AMERICA AND NONE OF YOU PROTECTED ME AT ALL ONCE! I NEED A PROTECTIVE ORDER AGAINST THIS BANK AND ANY CALL CENTER AGENTS THAT XXXX EMPLOY TO STAY OUT OF MY ACCOUNTS INDEFINITELY! AND SOMETHING PROHIBITING THEM FROM ANY FORM OF FURTHER ABUSE INCLUDING SENDING OUT MEMOS TO OTHER CREDITORS USING MY NAME AND DELIBERATELY HAVING SAID COMPANIES LOCK ME OUT OF ACCOUNTS I HAVE WITH THEM!!!! 
Step 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/2023, I disputed several Items on my LexisNexis Consumer Report. The disputed was delved on XX/XX/2023 via certified mail. However, the company has not responded in 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including Method of Verification. I do not consent to e-oscar or any means of automated verification.

Therefore, they have failed to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to my research about FCRA 605, XXXX and TransUnion credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance : {$15000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX report from XX/XX/2023 : Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$570.00}. The original creditor is XXXX XXXX XXXXXXXX XXXX XXXX. 

I was also sent a contract from XXXX XXXX XXXX with handwriting that isnt mine I asked this company to not get in contact with me I have never received any services from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf.

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