vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint against the credit bureaus XXXX, XXXX and Equifax regarding their lack of response to my dispute letters. Despite my diligent efforts to resolve the issues, I have not received any acknowledgement or response within the required timeframes stipulated by the Fair Credit Reporting Act ( FCRA ). 

To provide some background, I initiated the dispute process on XX/XX/XXXX by sending dispute letters to the credit bureaus listed below : XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX In my dispute letters, I clearly outlined the specific errors and inaccuracies present on my credit reports and provided all necessary supporting documentation. However, I have not received any response from the credit bureaus. 

Despite my efforts, I have not received any meaningful response or indication that my dispute is being addressed. I would like these accounts deleted, but Im being ignored. 

The non-responsiveness of the credit bureau has had a significant impact on me. Its causing damage to my credit report and Im constantly being ignored by lenders. 

In light of the credit bureaus ' failure to address my dispute in a timely and appropriate manner, I kindly request the assistance of the Consumer Financial Protection Bureau in investigating this matter. I would appreciate it if you could intervene on my behalf to ensure that the credit bureaus promptly respond to my dispute and rectify any errors or inaccuracies on my credit reports. 

I have attached copies of the dispute letters I sent to the credit bureau. These documents provide a comprehensive record of my efforts to resolve this issue directly. 

Should you require any further information or documentation, please do not hesitate to contact me. 

Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can help bring about a timely resolution and restore the accuracy of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Concerns Wakefield LLC XXXX XXXX XXXX XXXX, TN XXXX They did not my respond to any of my letters ( 3 ) and do not respect my FDCPA rights! 

Below you will find a copy of my letter dated XX/XX/XXXX, ( send by XXXX ) which speaks for itself. Sincerely yours. 

References : XXXX & XXXX To Whom It May Concern, Despite my letters to dispute any debt with your agency, dated XX/XX/XXXX & XX/XX/XXXX, see attachments, you did not respect my rights according to the Fair Debt Collection Practices Act ( FDCPA ). I am unaware of the creditor XXXX XXXX XXXX. 

At this time, I demand to cease any credit bureau reporting. 
Please send this information to my address listed above and accept this letter, as my formal debt validation request, which I am allowed under FDCPA. Please note that withholding the information you have received from the supposed creditor can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you have received from the creditor in connection with this alleged debt. 
Furthermore, continued attempts to collect on this debt or report this debt to the credit bureaus, until providing said information above is also a violation of the FDCPA in which I will hold you and XXXX XXXX XXXX responsible. 

I will also file complaints about your company at the XXXX XXXX XXXX, the Attorney Generals Office and/or the Florida Office of Financial Regulations and/or the Consumer Finance Protection Bureau . 

Sincerely, All rights reserved. 

I took out my name here Attached : Copy letter XX/XX/XXXX Copy letter XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: LCI Acquisition Inc.
State: MI

Complaint narrative:
I have reached out to XXXX XXXX and XXXX to demand them to remove any bankruptcy information they are report in their data base i have provide information showing that any information pertaining a bankruptcy in their data base. Their company is storing inaccurate information and must be removed immediately, i provide documentation for the courts, stating they do not report any information like that to no company or any credit bureaus. This information is not verified from the actual source, they source has stated the information is not mine and they dont report information to any company, or third parties, or credit bureau agency , this bankruptcy is not verified information from the US court, because I have documentation from the courts stating they havent provide any bankruptcy information attach to me to no company, and no information of me is known in the data base pertaining bankruptcy by them. XXXX XXXX have stated in a certified letter mail to me that I have no information in there data base after addition search and XXXXXXXX XXXX has not verified this bankruptcy with the actual source that l have provided that documentation from the US Court that has stated in in the records, and no information is provide by them of this bankruptcy or information with me. No XXXXXXXX XXXX  and XXXX has not provide this information, Under my FCRA rights its an violation under 15 U.S.C1692g And demanding to be removed immediately from there data bases,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-07-31 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:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DEBT 0, INC
State: FL

Complaint narrative:
Sign a debt negotiation agreement with XXXX XXXX XXXX/ and the XXXX  program, debt resolution in XX/XX/XXXXXXXX  and pay a monthly payment for 14 months ending in XX/XX/XXXXXXXX  for the settlement of 4 credit card debts, one of them It was XXXX  XXXX XXXX. 
The negotiator made an agreement with the bank in XX/XX/XXXXXXXX  of 4 payments, the last payment should be on XX/XX/XXXX and they made it on XX/XX/XXXX, late payment invalidated and made the agreement down according to a document issued by the bank and from the which I received a copy via email. 8 months later the negotiator does not respond to me and to date I have a current debt with XXXX  XXXX XXXX that continues to affect my credit score.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: SD

Complaint narrative:
I first got my loan through the VA. The handed it off to PennyMac. We tried to set up Auto payments online at the very beginning, but for the first few months the did not take the money out. We tried several times to get this resolved but in the end we ended up having to call them every month to get our payments taken out and then put on a forbearance plan. Since then we have had several instances where they didn't pull the payment when they were supposed to, a few times even to the point we had to transfer money into our other bank account to put together the full payment mid month, or split the payment between the 2 bank accounts. On several occasions I have had to to reach out to the VA to even get PennyMac to pull the payment. They have also already raised our payments once, Now they are telling us we have to accept their offer of a new WAY HIGHER interest and unaffordable payments, going from 3 % up to 7 %, with a {$600.00} payment increase, or we have to give them nearly {$4700.00}. If we do not accept their offer then we will be foreclosed on. I feel like this is a tactic to force us into the high interest bracket. If they took their payments out like they were supposed to we would be having no issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America, the information you are providing to the consumer reporting agencies is inaccurate and incorrect. This erroneous reporting has had a significant negative impact on my character, reputation, overall lifestyle, and ability to secure credit for personal and housing needs. Your inaccurate reporting has caused substantial harm to my livelihood.

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 2023-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: DE

Complaint narrative:
Today XX/XX/2023 - I received a letter in the mail from stillman law office regarding XXXX XXXXXXXX XXXX debt in the amount owed of XXXX. 

I pulled my credit report and I found a collection account for XXXX XXXX but in the amount of XXXX. 

I reached out to the company via fax with a copy of the letter they sent to me, a screenshot of the debt on my credit that also states its been closed/charged off and a copy of my ssdi letter showing I am fully XXXX and can not work via the state of Delaware. 

I also wrote a debt of forgiveness letter to XXXX who XXXX XXXX XXXX is collecting for and sent them a copy of this stillnan law office letter, my XXXX letter and a screenshot that they have the amount totally wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
XXXX I Got An Alert From XXXX And Paypal Both Alerting Me There Was A Failed Transaction Of {$130.00}. I Called The Non-Emergency Police Line Instantly, And They Told Me To Make A Report Here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, my bank, XXXX XXXX, mailed a check in the amount of {$1200.00} to my mortgage company, Mr. Cooper, via XXXX XXXX online Bill Pay system. The check was mailed to Mr. Cooper at XXXX XXXX XXXX, XXXX, XXXX XXXX. This check represented the second half of my full mortgage payment of {$2500.00}, which was due on XX/XX/XXXX. The first half of the XX/XX/XXXX payment was submitted electronically by XXXX XXXX on XX/XX/XXXX in the amount of {$1200.00}. 

On XX/XX/XXXX, the {$1200.00} payment mailed on XX/XX/XXXX was not reflected in my mortgage account. To remedy this, I submitted an online payment of {$1200.00} on Mr. Coopers website on XX/XX/XXXX. Mr. Cooper assessed a late fee in the amount of {$72.00} because they alleged the XX/XX/XXXX payment had not been received in full by XX/XX/XXXX. 

On XX/XX/XXXX, the payment mailed by XXXX XXXX was still not reflected in my mortgage account. I initiated an online chat with Mr. Cooper customer service representative, XXXX XXXX, who confirmed that Mr. Cooper had still not received the payment mailed by XXXX XXXX  on XX/XX/XXXX, and verified the address to which the check was mailed was the correct billing address. 

I called XXXX XXXX on XX/XX/XXXX and advised the representative that the {$1200.00} check they had mailed to Mr. Cooper on XX/XX/XXXX had not been received by Mr. Cooper. XXXX XXXX initiated an investigation and submitted their results on XX/XX/XXXX. XXXX XXXX determined the check was mailed to the correct billing address for Mr. Cooper, it had been received by Mr. Cooper, and it had been endorsed by Mr. Cooper/Nationstar on XX/XX/XXXX ( prior to the date I was assessed a late fee of {$72.00} on XX/XX/XXXX ). As of today, XX/XX/XXXX at XXXX XXXX XXXX the {$1200.00} payment mailed to Mr. Cooper XXXX XX/XX/XXXX and endorsed by Mr. Cooper XXXX XX/XX/XXXX, is still not reflected in my mortgage account. 

This is the second complaint I have filed against Mr. Cooper since they acquired my mortgage in XX/XX/XXXX. The previous complaint ( ID # XXXX ), wherein I advised that Mr. Cooper had falsely reported a late payment to the credit bureaus, was closed on XX/XX/XXXX. I subsequently received a letter from Mr. Cooper dated XX/XX/XXXX, wherein they admitted to making " errors '' with my payments. Mr. Cooper has been grossly negligent, extremely incompetent, and blatantly untruthful in their handling of customer payments, to the detriment of my credit score and my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I opened an auto loan with this company in XXXX of XXXX. In XXXX, I filed for bankruptcy and they had my car repossessed anyway. They did it again in XX/XX/XXXX after I filed. In XX/XX/XXXX, I was in a car accident. I was still under bankruptcy. My car was gone after two weeks. I received no notice from the finance company. When I checked my credit report, they closed my account with a balance of XXXX. No notice. I checked again after a couple of days and it stated it was sold to XXXX XXXX. I had no knowledge of the debt being sold. No one gave me a notice, email, letter, text, or call. Now its showing as a collections account. I called the finance company and no one could tell me anything. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I applied for a Chase Sapphire reserve credit card. 

In spite of my longstanding and impeccable credit payment with Chase as an existing customer they pushed my credit application to a 1 to 2 week review process. Upon further inquiry I was informed after submitting my application that Chase ( upon pending approval ) is going to be pulling credit limit from one of my other Chase credit cards to use towards the Saphire Reserve Credit card that I had just applied for. Chase made no mention prior to the submission of the application that this approval would be contingent upon reducing the credit limit of one of my other credit cards to be used towards the new credit card. I had no way of making an informed decision about this application with regard for the aforementioned. The addition of this new card would not be decreasing my credit utilization ratio as I had thought it would be. These application stipulations should be brought to the attention of the consumer prior to completing a credit application. 

In short I blindly applied for a Chase credit card and had a hard pull on my credit report. Had I known they were going to be reducing the credit limit of one of my other credit cards, I never would have applied for their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ). These listed accounts below have violated my federally protected rights to privacy under 15 u.s.c 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, Louisiana Child Support 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 section ( 2 ) States a consumer reporting agency can not funnish a account without my written instructions

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 2023-07-31 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
the information you are providing to the consumer reporting agencies is inaccurate and incorrect. 
This erroneous reporting has had a significant negative impact on my character, reputation, overall lifestyle, and ability to secure credit for personal and housing needs. 
Your inaccurate reporting has caused substantial harm to my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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