vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-27 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Transunion 60 days ago. I have not received as response yet and seems as if my disputes being ignored

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 2022-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law.

XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Bank # XXXX, XXXX XXXX, XXXX card # XXXX, XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
To whom it may concern : Why am I having so much difficulty having due diligence completed for a XXXX XXXX with Mr. Cooper? This has been an extremely poor customer experience. 

Without any success, for over a year, I have been trying to obtain straight answers from Mr. Cooper about opportunities to XXXX XXXX. 

As an example, on today, Monday, XX/XX/XXXX, I called into Mr. Cooper at XXXX around XXXX XXXX  EST. I gave the Representative all of my application information and he ran a hard credit inquiry on my credit report. There after he asked me several redundant questions and I answered, he proceeded to answer me again with the same redundant questions and then hung up on me without a call back. I called back into Mr. Cooper at XXXX and I was told that the Rep that I talked to has gone to break. I had to basically beg for this particular person to escalate the issue and have someone else call me back. I am reporting this issue, because its not the first time that this type of situation has occurred. It has occurred on at least two other occasions, which seem like a systemic issue. 

I need to have this situation resolved because this is multiple occasions whereas there has been hard pulls on my credit, which bring my credit rating down. And I still dont know the results of my credit application for a XXXX XXXX XXXX with Mr. Cooper XXXX 

Also, an issue occurred in XXXX with a XXXX application. I have included the email communications in this letter as reference. I complained about this issue on several occasions for months without any resolution. And still to this day, I lost money with this issue due to following the steps that Mr. Cooper advised and still did not attain a Refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
Flagstar bank has an error message on their website that has been preventing me to put our mortgage payment on Auto-Draft for several months. We believe this is being done in an effort to increase late fee revenue to Flagstar Bank because there is no other legitimate reason for it. We maintain adequate funds in our bank account at all times to make this payment but due to the fact they constantly change the amount of the payment and add insurance we do not need on the mortgage account the payment amount is frequently incorrect. We would like to enroll in auto-draft like we have with all of our other mortgages but are being denied the opportunity to do 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 2022-07-27 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I asked the credit Beauru to do a verification of everything on my report. They did and stated everything was ok, I did a thorough research and found improper inaccuracies on my account. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A states the right to privacy 15 U.S.C 1681section 2< it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-07-27 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: PA

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, they also violated my rights under 15 U.S.C. 1681 sections 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.

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 2022-07-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, they also violated my rights under 15 U.S.C. 1681 sections 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
I, XXXX XXXX, fell upon a hardship due to covid. XX/XX/2021, Flagstar Bank XXXX XXXX Servicing Company ) agreed to a trial payment plan for a loan modification. Payments of {$1500.00} to begin XX/XX/2021 for 3 months. Those payments were made on time as requested ( XXXX, XXXX & XXXX ). Flagstar Bank then sent me a Modification Agreement on XX/XX/2021 in which I signed all documents and had them notorized as requested. That packet was received by them on XX/XX/2021 and was told that it was being sent to the courthouse for recording in the real property records. 
Payments after the approved modification were to begin on XX/XX/2021 of {$1400.00}. Those payments were made on time every month as requested. It has been almost a year and Flagstar Bank still has not brought my loan current as they stated over and over they would. I have called a numerous of times ( all calls are recorded ) and explained this situation and all understand and advise that I am absolutely correct. I have names and ID numbers to verify. On XX/XX/2021, I received a phone call from XXXX ( ID # XXXX ) whom I explained the problem and he verified my information advised it was correct and that my loan will be brought current and I would receive paperwork reflecting that. However, on XX/XX/2021, I received another phone call from XXXX ( ID # XXXX ) advising me and I quote " that in order for my loan to be brought current I must pay {$560.00} and its just that simple or my loan will be terminated. '' I asked XXXX to explain to me why several times and I could not get a clear understanding. XXXX then was conversing back n forth on a computer with someone named XXXX XXXX of whom she would not give me her ID # ) and just kept threatening that my loan will be terminated. I asked for an itemization of all payments but was getting the run around for that information. 
I do not want to lose my home because of their negligence. I have contacted BBB for assistance on this matter as well and have learned that I am not the only person going thru this same exact problem with Flagstar Bank. I have also contacted 7 On Your Side ( News station ) and just trying to get help with this matter.

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 2022-07-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$970.00} XXXX XXXXXXXX XXXX Balance Owed : {$7400.00} XXXX  XXXX XXXX Balance Owed : {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX and XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I was looking to purchase a camera from XXXX from a man in California. I do NOT know him, but I was lured and coerced into sending him partial payment through XXXX. He claimed that a buddy of his was in critical condition and needed the payment asap. He asked for my address, full name, and phone number so he could go to XXXX and purchase tracking. He proceeded to send me pictures of the postage and tracking receipt and so I sent him {$300.00}, half of the asking price. When I asked for the full tracking number, he refused to give it to me unless I sent the rest of the payment back. It was then that I realized I had been scammed. Between a faulty receipt and him contacting me through multiple different phone numbers in the following days, I was unsure whether or not Chase would reimburse me for a payment made through XXXX. But I called Chase and filed a claim through their claims department the morning after. The XXXX charge was still pending but the money was already gone from my account. Today, XX/XX/XXXX, I received a notice from Chase regarding their investigation and they said no change would be made to my account at this time. 

Regardless of whether or not it was an authorized charge, I was scammed and Chase has failed to recognize that or provide ne with any sort of reimbursement or request for more information. While I did initially make a phone call stating fraud, I only did so as fraud and unauthorized transactions are protected. Its absolutely bizarre that SCAMS are NOT protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
15 U.S. Code 1681i - Procedure in case of disputed accuracy Dates on accounts are showing inconsistent information and many inaccuracies. 
Dtae opened balance XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX Bankruptcies eported by thujes party and not original furnisher XXXX XXXX XXXX inccorect name of company XXXX XXXX XXXX XXXXXXXX different account number DELETE UN Verfied information Fcra states the first party has to report information on consumer credit profile accurately DELETE due to inaccuraties and unverfied information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
15 U.S. Code 1681i - Procedure in case of disputed accuracy Dates on accounts are showing inconsistent information and many inaccuracies.

Dtae opened balance XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX Bankruptcies eported by thujes party and not original furnisher XXXX XXXX XXXX inccorect name of company XXXXXXXX XXXX XXXX XXXX  different account number DELETE UN Verfied information Fcra states the first party has to report information on consumer credit profile accurately DELETE due to inaccuraties and unverfied 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