vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
Requested a BPO - because all estimates indicate my home is now valued at a price that allows me to get rid of the PMI. 

Company dragged its feet when I requested the BPO. To the point that it's been longer than a month and I'm still probably paying a PMI I don't need to and they're still insisting I pay for the BPO that we CAN'T schedule because they keep delaying the steps! It's kafka-esque.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the Credit Bureaus. I submitted a complaint to the Credit Bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA the Credit Bureaus, they are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the Credit Bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the Credit Bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I ordered VIP and bottle service at a club ( XXXX XXXX XXXX ) on XX/XX/24. After paying for the VIP section I was told that there were no more tables available and was offered another service. I did not want the other service and was then told that I would not receive a refund. I disputed the charge with chase bank but they later reversed the charge stating the club provided a receipt. I dont care if they have a receipt I never received the service. I have been banking with chase for over 10 years and have never filed a claim. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M. G. Credit, Inc.
State: GA

Complaint narrative:
I have previously communicated with this company about these unverified debts that do not belong to me, and they have shown no proof that the alleged debts belong to me. They illegally put this collection on my account without proper notice ; nor did this company attempt to resolve this correctly. I am getting ready to file for ligation, if this happens one more time. If anything comes on my credit report, I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
After sending a lot of Dispute Letters regarding the BANKRUPTCY on my account, it still reporting on my credit report. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently pulled my credit report and noticed several addresses that were unfamiliar to me. I did not recognize these residences and I am sure I have never lived at them either. My address is XXXX XXXX XXXX XXXX, LA XXXX and should be reported as such. If anything, else is listed, please delete immediately. I have included proof of my identification in this letter to make this request easier and quicker for you all to execute. In accordance with the Fair Credit Reporting act. below has violated my federally protected consumer rights to privacy and confidentiality under the following : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : This law regulates the collection, dissemination, and use of consumer credit information, including requirements for accuracy and completeness of consumer reports. 

2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 : While primarily focused on debt collection practices, inaccuracies in credit reporting, including incorrect addresses, can also implicate FDCPA provisions, particularly regarding the accuracy and fairness of debt collection activities.

3. Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801-6809 : This law governs the collection and disclosure of consumers ' personal financial information by financial institutions, including credit reporting agencies. Inaccurate reporting of addresses may raise concerns about the safeguarding of personal information under GLBA.

4. Regulation V ( 12 CFR Part 1022 ) - The implementing regulation for FCRA, issued by the Consumer Financial Protection Bureau ( CFPB ). It provides detailed requirements for the accuracy and integrity of consumer information maintained by consumer reporting agencies. 

XXXX. Regulation F ( 12 CFR Part 1006 ) - Implementing regulation for certain provisions of the FDCPA, issued by the CFPB. While primarily focused on debt collection practices, inaccuracies in credit reporting, such as incorrect addresses, can also implicate Regulation F provisions regarding the accuracy and completeness of information provided to consumers. 
These laws and regulations aim to ensure the accuracy, fairness, and privacy of consumer credit information, including accurate reporting of addresses by credit reporting agencies. Violations of these laws can result in legal consequences and penalties for the agencies involved.

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 2024-05-29 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: 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.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Card company : Chase, Chase, Card : XXXX  Current credit card no. : ending in XXXX Previous card ended in XXXX Fraudulent transaction made on XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX FL {$1200.00} As soon as the fraudulent purchase was made, I was sent a text message by Chase that they have suspected/ detected such an activity and if I had authorized it. I, immediately responded by writing " No ''. The company immediately sent back the message that they have canceled the card and will send a new card ( I have attached the copy of text message ). So I presumed that the matter had ended. After this transaction, another transaction was fraudulently made to buy gas at XXXX for {$71.00} ( using presumed canceled card ). I did not notice this transaction on my subsequent statement and so it went unnoticed. Now the credit card company wants to collect {$1200.00} that I had declined and they had confirmed the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have pulled my most recent credit report and noticed inaccurate and invalid information on my consumer report.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
15 U.S. Code 1681c1 states in part the following : ( b ) Extended alerts ( 1 ) In general Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, during the 7-year period beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period and the agency has received appropriate proof of the identity of the requester for such purpose ; ( B ) during the 5-year period beginning on the date of such request, exclude the consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the consumer or such representative requests that such exclusion be rescinded before the end of such period ; and ( C ) refer the information regarding the extended fraud alert under this paragraph to each of the other consumer reporting agencies described in section 1681a ( p ) of this title, in accordance with procedures developed under section 1681s ( f ) of this title.

( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request 2 free copies of the file of the consumer pursuant to section 1681j ( d ) of this title during the 12-month period beginning on the date on which the fraud alert was included in the file ; and ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX formal report of identity theft that included victim affidavit, police report, and adequate proof of identity, SSN, and address were submitted to Equifax with written request to provide an extended fraud alert and provide an updated copy of consumer disclosure report. Equifax has failed to response to these request. They have processed the disputed items by confirming those were not appearing on the report, but failed entirely to respond to the request for the extended alert or provide a copy of the credit file. In not responding to both of these requests Equifax is in willful violation of 15 U.S. Code 1681c1 and should be held to account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently received a notice from my bank stating that a collection had been placed on my account. I tried to check my credit report on XXXX and Experian but the system was unable to provide me with a report. I attempted to dispute the collection with XXXX XXXX, on the XXXX website but their system also would not allow me to do so. I called XXXX customer service to request my credit report, and to review the report with an agent but they informed me the collection was not placed on my account. I assured the agent that I did not have a contract with the XXXX XXXX XXXX XXXX and that I did not owe them any debt. I also mentioned that the original creditor was paid before this collection was placed on my credit report. I was transferred to another department, and the representative confirmed that the XXXX XXXX XXXX is indeed listed on my credit report as a collection agent. I requested to have the report disputed and was told they would try to do so. I expressed my concerns about my credit report, as the collection has reduced my credit score by XXXX points and is affecting my car loan application status and a job application with an XXXX XXXX. I also contacted Experian to have this correction removed from my credit report. I am also in the process of purchasing my leased vehicle, which is due to be returned to the dealership by the end of this month. The collection and the severe drop in my credit score have negatively affected my financial status and will cause some undue hardship if I am not able to get a vehicle to go to work. If I am unable to apply for a car loan, I will be left without a vehicle. This was was previousely paid to XXXX XXXX company in the amount of over {$500.00}.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I recently received a notice from my bank stating that a collection had been placed on my account. I tried to check my credit report on XXXX and XXXX but the system was unable to provide me with a report. I attempted to dispute the collection with Credit Management, on the XXXX website but their system also would not allow me to do so. I called XXXX customer service to request my credit report, and to review the report with an agent but they informed me the collection was not placed on my account. I assured the agent that I did not have a contract with the Credit Management collections company and that I did not owe them any debt. I also mentioned that the original creditor was paid before this collection was placed on my credit report. I was transferred to another department, and the representative confirmed that the Credit Management Company is indeed listed on my credit report as a collection agent. I requested to have the report disputed and was told they would try to do so. I expressed my concerns about my credit report, as the collection has reduced my credit score by XXXX points and is affecting my car loan application status and a job application with an XXXX XXXX. I also contacted XXXX to have this correction removed from my credit report. I am also in the process of purchasing my leased vehicle, which is due to be returned to the dealership by the end of this month. The collection and the severe drop in my credit score have negatively affected my financial status and will cause some undue hardship if I am not able to get a vehicle to go to work. If I am unable to apply for a car loan, I will be left without a vehicle. This was was previousely paid to XXXX XXXX company in the amount of over {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Section 611 of the FCRA 15 USC subsection 1681. The section covers the procedure for disrupting disputing the accuracy of information in your credit report. It requires credit reporting agencies to investigate disputes within 30 days.

Section 609 FC 15 section 1681 section grant you the right to request a copy of your credit report and know the sources of the information Section 62316812 section responsibilities on Furniture of information collection agencies to ensure the accuracy of the information they provide to credit reporting agencies they must correct and update information as necessary Section 605 section 81 C2 section allows for the blocking of information resulting from 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
Consumer complaint received 2024-05-29 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: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
As I have asked before and will ask again, please provide me proof of my Full Name and address associated with my current drivers license and provide evidence this account belongs to XXXX XXXX XXXX XXXX - if you can not furnish this information along with a validation and verification, then please remove from my credit report.

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 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
portfolio recovery associates has not responded to my request for debt validation on XX/XX/year> of an unknown account and they have harassed me to make a payment over the phone. they list this unknown account on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: OH

Complaint narrative:
I recently submitted a dispute for late payments on my credit report that should not be there. This was a direct dispute with the 3 major credit buearus, not the creditor itself due to the fact they are the ones who's inserting these incorrect late payments to my report. Letting them report these incorrect late payments violates my rights under the FDCPA

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