vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 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: Experian Information Solutions Inc.
State: IN

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 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 list of Inquiries. 

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 2024-06-15 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: NC

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 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 list of Inquiries. 

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 2024-06-15 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 : 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 list of Inquiries. 

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 explanation
Consumer complaint received 2024-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently viewed my credit report, and I found a fraudulent account on my report. Please removed this account from my report. It is hurting 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 2024-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I was sent Emails from Capitol One saying I had applied for a credit card with my name and account number. Those emails no longer show up on my account and I never made an account for capital one or for a credit card. I called the company on XX/XX/XXXX about the matter and it is currently under investigation with a report being made by the company. These emails were approximately 3 months ago in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: NC

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 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 list of Inquiries. 

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 2024-06-15 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: Experian Information Solutions Inc.
State: NC

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 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 list of Inquiries. 

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 explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Someone opened a fraudulent credit card account with XXXX XXXX  using my personal information and were making the payments towards that fraudulent credit card account while I was in overseas. When I found the information about this fraudulent account in XX/XX/year>, I immediately called the discover bank customer service and reported the account as a fraud, and sent the affidavit and all the requested documents to their dispute department. Back in XX/XX/year> the credit card balance was - {$1.00} as per their statement, after 4 months of investigation, they have re billed the same credit card for the amount of {$1700.00}, I do not know even how it is possible, an account balance goes from - {$1.00} to {$1700.00} while it was reported as a fraudulent account, they failed to investigate this account properly and they also failed to verify the identity before allowing someone else to open this account fraudulently, They must be responsible for this fraudulent credit card account and remove it from the credit reports immediately.

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 2024-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
PHH Mortgage loan number XXXX I have been trying to get a irrevocable trust for my mortgage and denied since beginning of XX/XX/XXXX, numerous times I have email via their website messaging to try consistent and compliant solutions since the beginning of XXXX and they have repeatedly denied, even XXXX case law shows that what they are stating is illegal, who can hold this company accountable to the law? 

Next they are stating that I have a balance due to the Shared Appreciation module for paying off the loan?, this loan was originally with XXXX Bank and has been resold several times, There was never any principal forgiven and I have made payments ahead of schedule, the agreement mentions XXXX ( XXXX XXXX XXXX XXXX XXXX ) but does not have any specifics. This has been on going for several months with some agents saying I owe nothing and some saying I need to pay the XXXX fee? Even thou the loan was resold several times and I occupy this house and am not selling the house. Their Payoff quotes insist on a further balance, and they will not honor a irrevocable trust as required by law. 
Note Case law below, repeated messages they keep responding they only allow revocable trusts, see case law below The property located at XXXX XXXX XXXX, currently mortgaged under PHH, is intended to be transferred into the Trust. This transfer complies with the Garn-St. Germain Depository Institutions Act of 1982, which allows for the transfer of real property into a trust without triggering a due-on-sale clause, provided the beneficiary of the trust ( grantor ) continues to occupy the property. 
I do have a fair amount of files sent as messages to the bank on their website can share if you like.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: NY

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint regarding the handling of my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite multiple attempts to resolve inaccuracies on my credit report, the reporting agency has failed to address my concerns adequately, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX. 

Violation of FCRA XXXX XXXX. XXXX : My letters, which were written using accessible software available to everyone, have been disregarded. If the agency chooses not to process or address these letters, they are violating the law. The assumption that assistance from a third party XXXX be available does not justify delaying the processing of consumer letters. No XXXX of Attorney is required to address my concerns. 

Failure to Dispute Inaccurate Information : According to FCRA XXXX XXXX ( XXXX U.S.C. XXXX ) and the accepted XXXX XXXX XXXX XXXX data field reporting, I have the right to dispute any incorrect information on my credit report. The allegations of delinquency and derogatory information against me are entirely false. These claims fail to comply with basic reporting standards and do not meet federal or state requirements for reporting. 

Request for Permissible Purpose Evidence : I demand proof of a permissible purpose for the inquiry or account within my report. The lack of such proof indicates that the agency has not fulfilled its responsibilities adequately. 

My information was impacted by the Equifax data breach, leading to multiple fraudulent items appearing on my credit report. I did not authorize the sharing of my non-public information, and the reporting of this information is not fair and equitable as per XXXX U.S.C. XXXX Section XXXX. 

XXXX Violations XXXX : XXXX U.S.C. XXXX Section XXXX : Right to privacy. 
XXXX XXXX. XXXX Section XXXX Section XXXX : Consumer reporting agency can not furnish an account without written instructions. 
XXXX XXXX. XXXX ( a ) ( XXXX ) : Prohibition of adverse items of information older than XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) : Prohibition of furnishing inaccurate information knowingly or with reasonable cause to believe the information is inaccurate. 

I am granting a XXXX period from the date of delivery of this letter to rectify the situation. I request tangible evidence of the actions taken and an updated copy of my credit report. If the allegations are indeed false, I expect them to be promptly removed from my credit report. 

Please see the attached letter for the details of my dispute. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX are all dates that validation letter request were mailed out to the company. I have yet to receive the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC
State: AR

Complaint narrative:
According to the IRS and unpaid charge off is income and according to the fcra income can not be reported on a credit report. I'm requesting a 1099-C cancellation of debt from the following charge-off accounts listed below.ACIMA DIGITAL FKA SIMPAccount number XXXX after checking my most current report the updated information stated the account was purchased by portfolio recovery associates this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form PER Arkansas Fair Debt Collection Statute A.C.A. XXXX THE CONTRACT IS TIME BARRED AND SHOULD BE DELETED AS 5 YEARS HAS PASSED FROM XX/XX/year> NO COMMENTS LISTED TO PROVE ACCOUNT HAS BEEN DISPUTED BY ME EITHER. 

IVE INCUDED DOCUMENTS TO FIND ACCOUNT AND FOR MY IDENTITY. IM ALSO AN IDENTITY THEFT VICTIM AND ACCOUNT IS A ACCOUNT I HAVE REQUESTED TO BE REMOVED AND OR BLOCKED I CANT RECOGNIZE THE ACCOUNT AND HAVE TRIED AND TRIED TO HAVE THEM REMOVE ACCOUNT. THEY CONTINUE TO NOT PROVIDE INFORMATION. I HAVE SUBMITTED PAPERWORK AS LAW REQUIRED AND WILL NOT SUPPLY ANY MORE DOCUMENTS BUT I DO REQUEST FOR THEIR LEGAL CONTATC TO FILE MY SMALL CLAIMS COMPLAINT WITH THE COURTS IN XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX has paid her XXXX XXXXXXXX credit card and XXXX has paid XXXX XXXX payments by hacking into my CHASE checking account. 
XX/XX/XXXX {$1000.00} XX/XX/XXXX {$310.00} XX/XX/XXXX {$1100.00} She has complete access to the CHASE checking account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: MO

Complaint narrative:
I attempted to cash a check issued by my own XXXX XXXX XXXX XXXX XXXX a check for the amount of {$36.00}. 

The check was issued from my XXXXXXXX XXXX  account ending in XXXX, and was issued on XX/XX/year> -- and bears the check number # XXXX. 

Ingo Money -- a check cashing service that is used by a great majority of the online banks -- has seemingly suspended my account due to what it looks like they're describing as 'irregularities. ' This has happened before and was resolved by a previous Consumer Financial Protection Bureau complaint/ticket. The complaint ID on that case was : XXXX Ingo Money suspending my account -- and other people 's accounts -- for legitimate checks -- causes significant handicaps to people 's ability to access banking services. 

I am requesting once again that the CFPB intervene to restore access to Ingo Money 's check cashing services. 

I will atttach supporting doocumentation indicating the validity of the check and it's funding source.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
THERE ARE SEVERAL THINGS ON MY CREDIT THAT IS NOT CORRECT AND NEEDS TO BE CORRECTED BECAUSE I REALLY DONT UNDERSTAND CREDIT THERE ARE SEVERAL INQUIRES AND ADDRESS AND ACCOUNTS TTHAT I DID NOT OPEN ON MY CREDIT REPORT. THE ADDRESS ARE 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 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

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 2024-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
Someone stole my debit card and my PIN number to my Hancock Whitney Bank bank account and made quite a few unauthorized ATM withdrawals and store purchases within 3 days time. As soon as I discovered what had happened I immediately contacted the bank and filed a dispute. The following morning I contacted the police and filed a police report. Dates and Amounts posted to my account are as follows in chronological order : 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 
I've have filed disputes a total of three times and was denied each of the three different times. I have filed a report with the police that is being investigated currently. The Bank has still refused to reimburse the money stolen out of my checking account even though I did not give any authorization to anyone whatsoever to have use of my bank debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/year> a student loan was distributed by the XXXX XXXX XXXX XXXX XXXX on behalf of the trust estate to support the education of a beneficiary. The student loan is being serviced by NELNET INC with a balance of {$250000.00}, whom has been made aware of the legal and equitable rights of the trust estate of which they have violated. NELNET INC is trading on the stock exchange to their advantage using their access to confidential information ( insider trading ), initiating deceptive sales practices. NELNET INC has not yet responded to the legal documents sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the doctrine of estoppel by silence, as established in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  it can be presumed that if there is no proof of the alleged debt, then no such debt exists. 

this account needs to be removed and deleted from my consumer report XXXX XXXX XXXX Account # 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