vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have been unable to set up bi-weekly payments. I had to supply the required documentation 6 times before they agreed that they were received and by then, I had to pay them another full payment before I could set up bi-weekly autopay. Every call to them is 30 minutes ( after hold time ) at minimum and never results in resolution. I feel that they want to keep me from making bi-weekly autopayments as it will save me interest over {$32000.00} over the course of the loan. This company seems less than reputable and I am sad my loan servicing was transferred to them.

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 2023-12-29 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: AL

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. 

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 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 2023-12-29 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: AL

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. 

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 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 2023-12-29 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: GA

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 Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or 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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023, I requested a copy of my XXXX report to see if XXXX was reporting any Bankruptcies on my public records and from that report that was sent to me Dated XX/XX/2023, XXXX was not reporting any Bankruptcies on my credit file. 

This information was Disputed with XXXX XXXX and Experian and the source that each credit bureau uses is XXXX and the results came back verified as accurate. 

If I have attached a copy of the letters directly from the courts whose stating that they dont report the information to credit bureau XXXX and the source each credit bureau XXXX which is XXXX and they are not reporting this information to the credit bureau XXXX then how are they verifying that the information is accurate? 

Each credit bureau has lied about placing the bankruptcies back into a reinvestigation as this has not been done accurately.

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 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023, JP Morgan Chase issued me a check in the amount of {$9700.00}, representing the funds from an account they closed on my behalf. Unfortunately, Chase did not inform me of the account closure or the issuance of the check during the entire process. The check was dispatched on XX/XX/2023, and it arrived on XX/XX/2023. However, the delivery by XXXX went awry as the check was sent to an incorrect address. 

Regrettably, someone intercepted the check and successfully cashed it on XX/XX/2023, at XXXX Bank, under the name XXXX XXXX XXXX. This individual forged the check by adding " and XXXX XXXX XXXX '' after my name in the " pay to the order of '' section, and subsequently signed it for cashing ( A copy of the fake check as in item XXXX ) On XX/XX/2023, I called Chase to ask them where my check is and they told me someone has cashed it by faking the check. 

On XX/XX/2023, I went to the chase branch at XXXX, NY and spoke to XXXX XXXX. He informed me of the procedure for correcting such mistakes. I have also sent the declaration of unauthorized endorsement or altered item form ( A copy as in item XXXX ) and unauthorized signature or forged item declaration ( A copy as in item XXXX ) .I also have reported this incident to both XXXX ( tracking number XXXX ) and the local police ( report number XXXX ), and they are currently conducting investigations into the matter. 

On XX/XX/XXXX, I contacted XXXX and the customer service told me they can be responsible for the loss and they were waiting for Chase to conduct the verification on their end. However, Chase hadn't done that to this date ( XX/XX/2023 ). 

From XX/XX/XXXX to XX/XX/2023, I kept contacting the chase claim team ( phone number XXXX ), they kept telling me that they hadn't received my documents, even if it's been a week from the day I filed it. They also kept giving me different responses regarding my situation, some said they received the verification request from XXXX, some said not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to TransUnion 's report, it states that I owe {$1700.00} to XXXX, which is not accurate. I have only missed one payment, and the monthly payment is {$580.00}, making the total discrepancy glaringly false. Such misinformation has resulted in a significant drop of over 30 points in my credit score. 

I want to emphasize that this misreporting is not only misleading but also a clear violation of fair credit reporting laws. As per my understanding of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to report accurate and verifiable information. In this case, the reported amount and its impact on my credit score are not reflective of the actual circumstances. 

The inaccurate reporting by TransUnion has had severe consequences on my financial standing, affecting my business opportunities and overall well-being. Given the potential long-term ramifications, I am compelled to inform you that I am considering legal action to seek damages for the harm caused to my credit score and subsequent adverse effects. 

I kindly request your prompt assistance in investigating this matter and rectifying the inaccurate information on my credit report. I believe it is crucial to uphold the principles outlined in fair credit reporting laws to ensure the integrity of the credit reporting system. 

Enclosed with this letter, please find supporting documentation, including proof of the correct payment amounts and a record of my payment history with 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 2023-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am urgently reaching out to you for the XXXX  time to address a pressing matter with my accounts. JPMORGAN Chase recently declined my deposit not once, but twice, Rejecting the funds that would have Rectified negative balance in my checking account that requires immediate attention since it is slated to close. This situation is causing serious concerns as it affects my credit score and is hindering my ability to open a new bank account. I am no longer banking with Chase, and the prolonged process resolving this matter seem unnecessary. Despite making multiple attempts to rectify the negative balance, the issue persists, and it is adversely affecting my financial obligations. Specifically, I have rent due on XX/XX/XXXX, child support payments, and other essential bills that I am struggling to meet.I want to emphasize that I have committed no criminal offenses or fraud of any kind nor have i in the past. My sole request is for the ability to pay Chase the negative balance on my checking account and ability to withdraw the liquid funds from my brokerage account, which rightfully belongs to me. The urgency of this matter can not be overstated as I face the imminent risk of losing my apartment. I implore your immediate assistance in resolving this matter swiftly and allowing me access to the funds in my brokerage account. Waiting for 60 days, or even 30 days, is not feasible, and the potential consequences are severe.Thank you for your urgent attention to this matter. I am hopeful for a swift and positive resolution. Thank you for taking the time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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:
My information was stolen and used to open several accounts in my name. I have asked the collection agency to removed the inaccurate information and nothing has been done. 
XXXX  bank account number : 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 explanation
Consumer complaint received 2023-12-29 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:
My information was stolen and used to open several accounts in my name. I have asked the collection agency to removed the inaccurate information and nothing has been done. 
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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-29 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: AZ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: OH

Complaint narrative:
I was XXXX XXXX XXXX XXXX XXXX  and I missed a payment on my Discover credit card. I made a payment as soon as I felt better and asked Discover to show that I was in good standing. They told me that I have to dispute it, in order to restore my credit score to good standing so I am just doing what they instructed me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Subject : Unauthorized Reporting and Request for Correction of Credit Information Dear XXXX, I hope this letter finds you well. I am writing to express my concern regarding unauthorized reporting and the inclusion of a new address on my credit profile. I already have been seriously harmed due the fact that you did not follow my written instructions the last time I reached out to your Information Services Department. Upon reviewing my credit report recently, I noticed that you never removed obsolete addresses as demanded, you have added a new address without my explicit consent, and my new auto loan is being reported without proper authorization. I would like to draw your attention to the following legal references that support my request for rectification : 1. **15 USC 6801-6808 - Duty to Keep Financial Information Private and Opt Out of Reporting : ** This statute emphasizes the duty to maintain the privacy of financial information and the consumer 's right to opt out of certain information sharing practices. 2. **15 USC 1681 - Accuracy of Report : ** This section of the law pertains to the accuracy and fairness of credit reporting, emphasizing the responsibility of credit reporting agencies to ensure that information is reported accurately. 3. **Privacy Act of 1974 : ** This federal law establishes principles for the fair handling of personal information by federal agencies. I believe the unauthorized addition of an address and reporting of my auto loan may violate the privacy principles outlined in this act. Per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 6802, I hereby notify you that I am opting out of any and all authorization, whether written, non-written, verbal, or non-verbal, that I may have given you as the consumer. I assert my right to control the dissemination of my financial information, as outlined in the aforementioned statutes. I kindly request your prompt investigation into this matter and the immediate correction of my credit information to reflect accurate and authorized details. I appreciate your attention to this issue and expect your timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: GA

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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-29 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: GA

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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Today XXXX @ XXXX I made my final pay, emt of {$240.00} to this trifling company Bank Of America on the card ending in XXXX after being told I couldn't pay using my debit card and when I went off on the lady telling her I wasn't giving my routing and acct information because I didn't trust BOA she did her job and said let me check your acct but only after I told her I had proof of them using my debit card before to make payments and she saw that I had and transferred me to someone that was able to take the payment using my dbit card. Theefore, my first complaint I did against BOA I resolved mnyself not the so called good for othing and useless lady XXXX XXXX XXXX ext XXXX that never returns calls she is useless and should be fired as the rest of the ppl I have spoken to at BOA that caused me to file the original complaint about not accepting my payment by debit card when it had been done and I had proof. The reason for this complaint is that i was refused proof by email that I made my final payment of {$240.00} to BOA as my lender asked me to do so. I'm so sick of trifling BOA with all the lies. I was first refused proof by the rep that took my final payment of {$240.00} on XX/XX/23 @ XXXX named XXXX XXXX and I then asked for a Manager and was transferred to a XXXX XXXX in escalations and asked him to email me the proof that I as well as my lender requested and was told he could not provide me proof. I'm glad to be done with this trifling business. All I asked for was a email proving I made my last payment and these idiots act as if I asked for a XXXX from them so childish and ignoarant. I don't trust BOA they are low down dirty dogs. I will neve trust this trifling business again after 30 years they screwed me over and are the ones in the wrong but not even a simple apology just excuses from these XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation