vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I ordered a XXXX XXXX XXXX XX/XX/XXXX. The car was delivered XX/XX/XXXX. Since I've had the car its been impossible to get service requests and software updates. There are 2 open safety related recalls. I am unable to use XXXX XXXX because XXXX does not have any service centers. Techs will come to house but they do not issue any paperwork. XXXX is a new car company and chase XXXX loans was the partner lender. I got my loan approved in XX/XX/XXXX and about a month after Chase issued a promotional rate for the XXXX XXXX because cars were not selling. The company was highly mismanaged and XXXXr burned over XXXX XXXX dollars in XXXX. They are now in XXXX XXXXXXXX protection and looks like XXXX. XXXX is imminent. Chase XXXX  loan i believe knew the cars were not selling and gave early adopters higher rates. I believe they knew the promo rates of XXXX  % were going to be marketed. 
The position of the company puts me in a hard place. My car is not serviceable. The recalls will not be addressed due to XXXX. XXXX also discounted the unsold inventory by XXXX %. Early customers now have lost more than XXXX % value of a XXXX car. This is because the XXXX management mismanaged cash and put the company into XXXX. 
I am looking for any help. As well as XXXX of owners across the XXXX. This should be fraud. There have been multiple articles written about the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a settlement check from a previous employer and I deposited it but then the routing # was bad so they deleted my account I reached out to the bank and to the company sent me the check they need proof it was deleted because of the check I spoke to the fraud department they told me it was because of the check but they dont give out information do to the privacy act. I contacted the bank told them what had happen they investigated it and basically told me its my fault its my responsibility to take care of my account but how am I supposed to know its a bad routing number. Now I cant open a bank account anywhere because Im XXXX as fraudulent and this is not ok I want to sue the bank I cant pay any bills without my account

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE PREVIOUSLY DISPUTED BANKRUPTCY XXXX WITH XXXX, Transunion, and XXXX. IN RESPONSE, THEY VERIFIED THE ITEM AS ACCURATE, STATING THAT THEY HAVE VERIFIED THE INFORMATION WITH THE COURT.

I CONTACTED THE COURT. AND THEIR RESPONSE IS THEY DO NOT REPORT OR VERIFY INFORMATION WITH THE CREDIT BUREAUS.

IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE.

EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED 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 non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
I reached out to Genesis Credit Management to settle a rental debt. I requested a Debt Validation letter in writing. No response. I requested information about how to settle the debt and was told that they no longer held the account and refused to give me information about who held the account. Meanwhile, Genesis Credit Management Services continues to charge interest on the balance and report to the credit bureaus as a delinquent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX  Employer - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are XXXX Collections that are being challenged XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX  FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-26 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: PA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XX/XX/XXXXXX/XX/XXXXIncorrect DOB : - XX/XX/XXXX Employer - OTHER Listed below are the Accounts that are being challenged XX/XX/XXXX- XXXXXX/XX/XXXXXXXX XXXX - XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX Listed below are XXXX Collections that are being challenged XX/XX/XXXX- XXXX XX/XX/XXXX XXXXXX/XX/XXXX Listed below are the XXXX that are being challenged XX/XX/XXXX XXXX XX/XX/XXXX- XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-26 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: PA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-06-26 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-26 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX, and this is not a third party filing this complaint. I have attached documentation showing that the credit reporting agencies are violating my consumer rights, by reporting INACCURATE late payments on my report. Please see attached ; accounts are reporting XXXX late in a 30 day time frame. Which is XXXX percent 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
My name is XXXX XXXX XXXX, and this is not a third party filing this complaint. I have attached documentation showing that the credit reporting agencies are violating my consumer rights, by reporting INACCURATE late payments on my report. Please see attached ; accounts are reporting XXXX late in a 30 day time frame. Which is XXXX percent inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 non-monetary relief
Consumer complaint received 2024-06-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
I previously filed complain # XXXX on this same issue. Every year, LoanDepot sends a notice via snail mail saying, " According to our records, your hazard insurance policy is about to expire and we have not received a renewal or replacement policy ''. My policy with XXXX XXXX has never lapsed and LoanDepot is listed on my insurance policy. 

Their goal, I believe, is to get people to pay for insurance they don't need, as a way to make additional revenue. I don't know what I can do beyond filing complaints, but clearly the problem is not being addressed by LoanDepot.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
It is worth noting that my relationship with NewRez arose solely at its discretion. First, I emailed my insurance information to NewRez. Second, NewRez requested the same insurance information via US Mail. Third, I sent NewRez my insurance information in response to the same. Moreover, mortgage information was listed thereon. Fourth, NewRez again requested the same insurance information via US Mail. Fifth, I again sent NewRez my insurance information in response to the same and received email confirmation thereof. 
Sixth, NewRez indicated via US Mail that it would begin charging duplicative insurance again requested the same insurance information via US Mail. Seventh, I again sent NewRez my insurance information in response to the same and received email confirmation thereof.

Eighth, I called NewRez and after multiple attempts I was able to tell the representative that I had already provided proof of insurance. The representative stated initially that I had not done so but that NewRez had insurance information for another person on said property covering the relevant timeframe. NewRez considered said insurance to be defective and could not be bothered to notify me of same. As a mortgage servicer, NewRez is required to adhere to a minimal level of professionalism and should notify its customer if there is an alleged problem with documentation. Moreover, NewRez is charged with the knowledge that hazard insurance requires an insurable interest. One can not purchase insurance on a property which she does not own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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:
I obtained a copy of my consumer report on the date of XX/XX/year> that reports an inaccurate negative accounts. This has not only damaged my right to extend credit, but it has made me lose hope and trust within the banking system. I have been denied housing because of this and my character has not only been defamed but my mental and physical health have suffered greatly, and I have documentary evidence to prove this. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that your company ASSUMED this VITAL role pursuant to 15 USC1681 ( a ) ( 3 ). Also, after numerous attempts to dispute the information, your company continuously failed to be fair and respect my right to privacy according to 15 USC 1681 ( a ) ( 4 ). If there is a promotional block and extended fraud alert on my credit file disclosure why is it not reflecting and why have you been sharing my non public personal in formation with non affiliated third parties without my explicit written consent. They have no permissible purpose and are UNAUTHORIZED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: NY

Complaint narrative:
TransUnion, XXXX and XXXX are all in gross violation of my rights as a federally protected consumer pursuant The Privacy Act of 1974 and FCRA. 
They continually report transactional history which is prohibited by 15 USC 1681a.

There are also several inaccuracies across all 3 bureaus which is in violation of 15 USC 1681. They have also failed to notify me of my opt out rights and are in violation of 15 USC 6802-6805 and 16 CFR 313.7.

They are violating my privacy by making public my personal information via affiliates, non-affiliates and third party vendors plus allowing promotional inquiries. They are in violation of 16 CFR 433.1, 433.2, 433.3 " Charge offs '' are considered " certificates of indebtedness '' by the IRS and " certificates of indebtedness '' are considered income pursuant to IRS publication 4681. Therefore, TransUnion, XXXX, and XXXX are reporting my income which is not permitted. 

TransUnion ( commission file # XXXX ) XXXX ( commission file # XXXX ) and XXXX ( commission file # XXXX ) each stated within their own filings with the SEC that they would uphold the laws of The Privacy Act of 1974 and FCRA ( in addition to many other consumer protection laws ) and they are not doing so.

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 2024-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: CA

Complaint narrative:
have disputed these accounts several times, even years, with no 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 that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with non-monetary relief