vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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:
In accordance with the Fair Credit Reporting act the list of accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act the list of accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I attempted to transfer money from my Chase Savings to Chase checkingnot realizing O was attempting to transfer from an external account. Not seeing anything happening I did this 2 additional times. I called and explained the error and they initially took car of the issue. However a few days later theyve restricted my account and will be closing it. The issue I have is theyve blocked my access to MY MONEY. I have no way to feed myself or survive f2-3 weeks until they decide to release MY funds. They say no one is able to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
We requested loan payoff amount from Carrington Mortgage Service, as the house is being sold. We were told that we could only request the amount via email, which we did. They took 10 days to respond with the payoff amount and instructions. Carrington Mortgage also told XXXX XXXX XXXX on XXXX XXXX that they could not provide a payoff amount to them as they were preparing to closing papers, because the house was in " pre-forclosure, '' although Carrington had told the customer that we had until XXXX XXXX to update them on the situation. This is one of several examples of Carrington not being transparent and trying to confuse both the customer and the title company in order to delay the payoff and continue to gain more interest and fees. 

Once the customer we received the amount and instructions on XXXX XX/XX/XXXX ( after waiting 10 days ), the title company verified the payoff amount and instructions with Carrington Mortgage, and scheduled the closing date to comply with the seven day window that the Carrington instructions indicated. However, once the payout funds were sent and receipt verified, and the closing was complete, Carrington Mortgage sent an email to us ( customer ) saying that the payoff amount was no longer valid.

Carrington used misinformation, confusion, pressure and shared different information with the title company and the customers in order to try to get {$3000.00} more than the official payoff amount within 14 hours of the payoff amount being sent and received. Carraington Mortgage also wasn't willing to break down the additional fees when XXXX XXXX XXXX called them on XXXX XXXX to inquire about the claims for additonal funds. 

At no time during communication with Carrington Mortgage over XXXX and a half months of communicating with them did I, as the consumer, feel safe or that I could rely on the information they gave me. Communication was either very slow, incomplete, confusing or meant to scare the consumer and the title company. It felt like a predatory situation and in fact was. They also used tactics of divide and conquer between the consumer and the title company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
My wife, XXXX XXXX, and I have been applying for a loan modification based on my loss of income due to my illness, XXXX XXXX. However, my service company is refusing to take a look at the whole history of my mortgage loan to deliver a solution to our problem. Select Portfolio Servicing is acting like if they do not know what happened previously with this property. They are just denying my request for a loan modification prima facie without going deep into the matter. They gave me a solution that is not a solution at all. They wanted me to pay them {$3100.00} per month in a repayment plan that they came up with without evaluating my finances. I have faced XXXX foreclosure cases already since XXXX, brought by different services like XXXX and XXXX. My intention is to retain this property permanently. However, the loan originators, made a mistake by placing XXXX XXXX XXXX XXXX as the non-obligor borrower. I rescued this property from foreclosure twice in XXXX and once in XXXX. What I am requesting is that my servicer evaluates the history of this loan to give me the best choice. I will not accept XXXX year or XXXX year solutions this time. I need a permanent solution. I need my servicer and the investors to be on my side when I take XXXX XXXX XXXX XXXX to court. After all, my wife and I have been the ones facing foreclosures and its consequences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/year> I purchased concert tickets as presents. The website ( ticketcenter.com ) looked legit as I was going through it but unfortunately I did not do my due diligence and check reviews. I was unmedicated for my XXXX at the time so I rolled with the impulse in order to get everything set up for the gift. Things started to look weird once my payment went through of {$420.00}. It was odd to me as they only took a dollar out and then proceeded to take the entire amount out. The website drastically changed how it looked ( became bombed with ads and broken links ) and I was given a prompt that I would not receive the tickets until XX/XX/XXXX. The day before the concert. I immediately contacted my bank to let them know this was a scam/scalpers. They filed my request and asked for any info I had. I sent the emails, the link to the site, and any reviews I could find describing people being taken advantage of. About a week later, the refund request came back denied. In the email they stated I could request any documentation they used for the decision. I called and specifically asked for those documents. The documents in question are the email I was given stating the date I would get them, and reviews. Instead they started a new refund request and denied that as well. I called support again and was told I could no longer try to dispute it. I used my university email which deletes emails after a few months so I no longer have them but my bank does on file. 
It is now XX/XX/XXXX and I still have not received my tickets or any indication I am going to actually receive them. It is quite a bit of money just floating in the air and Id like something to be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section XXXX A. States I have the right to Privacy. 15 U.S.C 1681 section XXXX A. Section XXXX : It also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681c. ( a ) ( XXXX ) 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 then records of convictions of crimes which antedates the report by more then 7 years. 15 U.S.C 1681s-2 ( A ) ( XXXX ) 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. These are Fraudulent accounts and need to be removed from my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: VI

Complaint narrative:
I've contacted National Recovery Agency multiple times since XX/XX/year> in regards to a medical bill that's being wrongfully reported on my credit report from XXXX XXXX XXXX XXXX in XXXX, XXXX. They'e reporting an amount of {$570.00} which is false. Along with multiple phone calls, I also sent an email with a bill from the hospital reflecting a XXXX balance ; they still refuse to remove this collection account from my credit report. It's over a year since I've made contact with this company and there has been no resolution.

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 2024-04-19 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove the accounts from my report, they are hurting my ability to obtain credit.All this accounts was already disputed and updated in XXXX but still are in TransUnion and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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:
I'm a victim of XXXX XXXX. i reported this information numerous of times but they still choose to report this inaccurate information.

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 2024-04-19 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:
I'm a victim of XXXX XXXX i reported this information numerous of times but they still choose to report this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: WI

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly 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 non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A states I have the right to privacy. 

15 U.S.C 1681 section XXXX A section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( XXXX ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( a ) ( XXXX ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: WI

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly 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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly verify the documentation as FCRA 605B necessitates the elimination of erroneous accounts from my credit report. Some of the listed accounts contain inaccuracies in their reporting. Compensation of {$1000.00} is warranted for each inaccurate report on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I just received a phone call from XXXX XXXX claiming to be from the XXXX and XXXX Department at the Bank of America. He was calling from a New Mexico number, XXXX, and said that he was calling to verify that it was me who had just applied for a credit card account with the BoA which was using my name, my mailing address, my phone number and the last four numbers of my SSAN. He made references to the CFPB as the government agency that monitors individual credit records. When I challenged him on this saying that the CFPB did not do such things and also that the BoA did not call people out of the blue from New Mexico about credit card applications, he offered to connect me to a 'higher authority ' namely the CFPB XXXX I was transferred to XXXX XXXX who identified himself as working for the CFPB and wanted me to verify that the information that they had was correct and I refused, again saying that the CFPB did not do this sort of thing. He continued to press me and when I said that I was on the www.cfpb.gov website and did not see anything about what he was calling me about as part of the CFPB 's charter, he hung up. In the middle of the first call, I got another call and put him on hold, but somehow, the call was disconnected and XXXX XXXX called me back on XXXX. 

This clearly was a phishing call and as the information that they had was accurate, I am now concerned about identify theft. 

Thank you.

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