vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: PA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is a hard inquiry on my credit score report from XXXX XXXX XXXX  on XX/XX/year>. This inquiry is fraudulent and I did not authorize it. I called TransUnion requesting to investigate but they refused to do anything about it. I called again and they don't even have any record of me requesting a dispute.

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 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and 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 2024-12-20 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: CBC Companies, Inc.
State: CA

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that i did not authorized or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit but also causing my significant stress and XXXX. I have no connection to these to these account accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: NJ

Complaint narrative:
This account has never been late and this creditor has not completed a proper investigation. They intentionally deleted another account which was a mortgage that was paid in full. In addition they have ignorant XXXX employees that work for them. I seek litigation if this matter is not resolved in the next 30 days.

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 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I signed documents to refinance along with my husband XXXX XXXX XXXX. My mother, XXXX XXXX XXXX was a witness and also had to sign as a witness. When the paperwork was filed and processed, our mortgage payment was approximately {$920.00}. On XX/XX/XXXX, my husband promptly contacted the loan company which was called Lakeview Loan Servicing and forbade them from providing any information related to our property. This was unbeknownst to me. On XX/XX/XXXX, he announced the desire for a divorce and attempted to kick me out of the house. He also began to be physical with me in order to get me to leave the house and abandon it. I then filed a TPO and spoke to a lawyer. When I called Lakeview Loan Servicing Company to see why the mortgage had increased exponentially, they told me that they could not give me any information related to the property even though my name was and still is on the Security Deed. It is against the law and unethical to refuse information to a property where their name, credit score, and any other information is attached and has been used to make money and/or maintain a loan. Therefore, I am requesting that Lakeview Loan Servicing Company provide me with ALL access to the property, XXXX XXXX XXXX XXXX XXXX GA XXXX as it is involved in a current divorce case. If they refuse, I will get my lawyer involved to identify what legal repercussions can be taken against Lakeview Loan Servicing Company for transgressing upon my rights as a financial consumer. 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
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: V and H Portfolio
State: CA

Complaint narrative:
As of XX/XX/year> XXXXXXXX XXXX XXXXXXXX states that this is a new trade line that was done this year. I didnt open this account this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint and request for investigation regarding ongoing violations of my consumer rights by XXXX XXXX XXXX XXXX XXXX. I am disputing all debts you claim I owe and am revoking any consent for you to contact me via call, text, or email. XXXX XXXX XXXX XXXX XXXX has failed to adhere to specific consumer protection regulations, and I believe my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) are being violated. 

In accordance with the following laws, XXXX XXXX XXXX XXXX XXXX has not met the legal standards for communication and debt validation : 1. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) You have failed to accurately disclose all information about the debt you are attempting to collect, which affects my ability to fully understand and assess this debt.

2. 12 CFR 1006.34 ( b ) ( 5 ) You did not provide me with clear information about my rights to dispute the debt, as required under this regulation.

3. 12 CFR 1006.34 ( d ) The required disclosures have not been provided within the necessary timeframe, preventing me from making informed decisions regarding the alleged debt.

4. 15 U.S.C. 1681s-2 ( 7 ) ( A ) Your continued reporting of this debt without substantiation and in violation of these regulations is materially damaging my credit report.

In addition to disputing this debt and revoking all forms of communication, I am formally requesting : Debt Validation Verification of the validity of this debt as required under the FDCPA.

Purchase Agreement Proof of the original purchase agreement between the original creditor and XXXX XXXX XXXX XXXX XXXX that demonstrates your authority to collect on this debt. 
Licensing and Bonding Documentation Proof that XXXX XXXX XXXX XXXX XXXX is licensed and bonded to operate within my state. 

This situation has caused me considerable distress, and I respectfully request that you provide the requested information in compliance with federal regulations. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I am writing to you to request a goodwill adjustment for a late payment that is on my account. I always make my payments on time and make every effort to fulfill my financial responsibilities, but the past year has been a hardship for me losing my mother to XXXX and caring for my XXXX sister. At the time of these late payments, I was laid off from my job due to unforeseen medical issues, and still made the effort to make my monthly payment although I am still out of work. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicater of my actual historical creditworthiness. I have been a happy customer for many years and I hope to continue a long relationship with your company. I hope that you are willing to work with me on erasing these marks from my credit reports. 
I am now trying to find an apartment and lease a car and I am having trouble doing so due to my credit score decreasing due to these late payments.

I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XXXX XXXX Chime bank was running a referral promotion. I was to refer one friend and get her to direct deposit {$200.00} within 45 days. I would in turn receive {$250.00} and the friend would receive {$100.00}. This is where things got messy. The Chime app instructions merely state that the person being referred must deposit {$200.00} within 45 days. The website, which unfortunately I didn't use, said that it must be a " single deposit of {$200.00} '' ... my friend did {$100.00} dollars from each paycheck based on the requirements the app listed. When I contacted Chime, they originally apologized and sent me to a supervisor ... That supervisor told me that all I needed to do was to have my friend call in and request a supervisor and confirm the situation. My friend did that and the supervisor she talked to said he would not issue the bonus because the single qualifying deposit of {$200.00} was not made. For about three weeks I went back and forth. I filed a complaint with the Better Business Bureau, I filed a complaint with their corporate office, and now this. It is not my fault that the app instructions do not coincide with the website 's. Thank you for your time and help... Please note I have all conversations between myself and Chime as well as my friend and Chime, but there's over 50 pages of text and I'm not submitting those one at a time and your system would not accept a zipped file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was in by a store called XXXX XXXX XXXX looking on a XXXX and paid a deposit of XXXX for them to fit it for me. 
I did call the next day to cancel but the store refused to cancel even though it is XXXX XXXX and tried to convince me to choose something else instead. 
After being ignored by the store I decided to dispute the charge, But Chase bank denied my dispute based on store initially responded I picked up the merchandise and then they change the story that they start tailoring so can not return. 
I tried to ask Chase bank again to investigate that and send them a later saying I have a phone conversation recording with store owner admitting they are still in position on the merchandise, but chase denied opening it back. 
now. 3 months after I still do not have the merchandise and did not receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally Bank blocked my access to my account login. I tried the Ally invest number ( XXXX XXXX ) on XX/XX/XXXX, they said my account is still open and running but online access is blocked at the main bank. So they gave me a number for their loss prevention department ( XXXX ). The first time I called the operator said they would call me back when they figure something out, that was in XXXX. Today XX/XX/XXXX I called again and they said the same thing, that someone would call me back after reviewing the account. It seems obvious they are unwilling to help resolve this problem.

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 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Chrysalis Holdings LLC
State: PA

Complaint narrative:
I am a XXXX and did work at a home New Day USA was refinancing and they needed this work done asap so they could close on a loan XX/XX/XXXX. A XXXX XXXX employee contacted me on XX/XX/XXXX and I completed the job on XX/XX/XXXX. I was promised that a check was to be cut from the homeowners funds at settlement and sent to me, this never happened and now they will not pay me, its been XXXX months. Attached are the emails from XXXX XXXX stating I will be cut a check at closing. I've been calling and emailing and getting nowhere, in fact, I have to call from different numbers because they avoid me. 

Please see attached emails stating on XXXX separate occasions I will be cut a check at closing. The following are excerpts from XXXX emails from XX/XX/XXXX between myself and a new day employee. 

" We will be handling the {$750.00} payment for the repair '' and the next sentence says " We will send payment as soon as the loan funds on XX/XX/XXXX '' also earlier in the day on XX/XX/XXXX you'll see another email stating " we plan on closing on the XXXX and funding will be on XX/XX/XXXX so we can send you a check then ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVN said I owed them, not XXXX XXXX. They purchased my debt without my knowledge even though I was attempting to settle with XXXX. They also agreed to accept less. They will not confirm which account is which, with account # s. They will not reflect on my credit report the lesser amount. I had a business partner that stole from me, which put me in financial despair. I am now working with a reputable company and LVN refused to cooperate. They will not adjust the balance that they agreed too. I have also paid XXXX per each account towards the debt as well. Please see the attached documentation of recent payments and agreements.I plan on paying the remaining agreed upon balance within the next 30 days. Thank you so much!

Company response to consumer: Closed with explanation