vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I disputed this information and requested a copy of the original signed document on XX/XX/XXXX ; Columbia Debt Recovery sent me a copy of a lease agreement with my name and another party with not signatures. I have never lived in XXXX GA I have been a home owner in another state for over 20 years. I have requested this false information be removed from my credit report in accordance with the Fair Credit Reporting Act. The account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The said account has violated my rights. 15 U.S.C 1681 section 602 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Commencing on or around XX/XX/year>, I fell victim to XXXX multi-layered scam operations which involved me making deposits for a total amount of XXXX USD from my JP Morgan Chase account to fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether JP Morgan Chase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of JP Morgan Chases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether JP Morgan Chase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether JP Morgan Chase was in compliance with its own policies and procedures ; ( v ) whether JP Morgan Chase owed duties to myself, what the scope of those duties was, and whether JP Morgan Chase did not uphold those duties ; ( vi ) whether JP Morgan Chases conduct was unfair ; and ( vii ) whether JP Morgan Chase has within its power the ability to, and should, compensate me for the harm that has befallen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have no connection to the listed creditor, and this inquiry is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2024-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Contacted Navient several times for assistance with IDR plans and other SAVE plans. Was locked into repayment plans that I could not afford and could not make timely payments for which has affected my ability to purchase a home, and decrease my debt to income ratio. 
Asked several times for assistance with lowering my monthly payment and was an advised that I could not. 
I was very cooperative and willing to make payments toward my student loans but could not afford the plan provided to me by XXXX. This has caused extreme XXXX and XXXX  to the point where I can not function daily due to the worries about student loan payments. I have also not been able to secure employment that affords me the opportunity pay off the loans in a manner sufficient with the education that I received. The economy, cost of living, inflation. And low wages prevents me from affording the plans offered by XXXX  and I was not able to place my loans in deferred or forbearance status without incurring additional interest. 
XXXX  sent several messages to be regarding making payments that I could not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-09-22 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:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On Saturday XX/XX/XXXX I became aware of an issue with my bank when several XXXX  payments were declined. I called Bank of America XXXX-department and was informed that my account had been closed, and with it all associated cards. I was told a letter informing me about it had been sent out on XX/XX/XXXX. To date ( XX/XX/XXXX ) I have not received this letter. 
That weekend I called the Fraud department, was sent to the Risk / Closure departments, then was routed to a specialist who told me that the bank was " exercising their right to end our relationship without further notice ''. No further information or explanation. 
There has been no suspicious activity, no fraud or delinquencies on my account since I became a client in XXXX- for 17 years. My credit score is excellent and my credit report history exemplary. I am completely mystified and shocked by the very sudden and harsh treatment by my bank, severing our existing business relationship from one day to the next. 
On XX/XX/XXXX I went into my local BofA branch and spoke to a bank representative, they too could not find any information as to why my accounts had been closed. Their attempts to contact the XXXX department were met with further caginess and run-around, then they were told " it was a business decision '' and that " my credit had been revoked ''. For no apparent reason. 
That day I paid off my remaining XXXX  balances with the bank teller and have since been locked out of my online banking and access to my accounts. 
I called the Fraud and Risk / Closure departments yesterday on XX/XX/XXXX and was unable to file a dispute or appeal. I was told that the account closure was finite. 
This treatment is harsh and very sudden. I have been a loyal customer of Bank of America for over 17 years and have been suddenly and with no apparent reason or explanation been unceremoniously kicked to the curb.

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 2024-09-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This inquiry does not belong to me, and I have no relationship with the mentioned creditor.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: NV

Complaint narrative:
Recently look at credit report on XXXX. On my closed account for US Bank credit card, I noticed that the date of the last payment was either incorrect or they were reporting the period of time I was late incorrectly. So I sent a dispute through XXXX and with no time at all there conclusion was nothing was wrong. 
Thursday, XX/XX/XXXX was sent and they sent results back early morning XX/XX/XXXX. Looked at the report after results and no changes were made. Just a long message from XXXX on how to get a reinvestigation. 

Error reported : Last Payment was XX/XX/XXXX Please explain to me if that was the last payment, how was it reported on time for XXXX and XXXX? XX/XX/XXXX was reported 30 days past due. Have emails from US Bank showing me 15 days past due in XXXX. 
Sent screenshots pictures of my report on XXXX with the highlighted dates and stated last payment for the dispute but I guess some how they didn't find any errors?

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX, and XXXX! 
I need my name and current address corrected immediately! And others removed, Ive sent numerous email and documents. I would like for someone to take immediate action! 
Theyre reporting addresses Ive never lived at and Im not receiving any of my mail from them.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, XXXX, and XXXX! 
I need my name and current address corrected immediately! And others removed, Ive sent numerous email and documents. I would like for someone to take immediate action! 
Theyre reporting addresses Ive never lived at and Im not receiving any of my mail from them.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir/Madam, URGENT REQUEST FOR REMOVAL OF INACCURATE EVICTION ATTEMPTS I am writing to urgently dispute and demand the removal of eviction attempts from XXXX XXXX XXXX XXXX XXXX that are inaccurately reported on my credit file. I have never been evicted from any property, and these entries are entirely false. 

These erroneous eviction attempts are putting me at immediate risk of not being able to secure housing and are causing undue emotional distress. Landlords are reviewing this incorrect information and making decisions based on false records, severely hindering my ability to find a new home. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have only accurate and verifiable information on my credit report. Section 611 of the FCRA mandates that credit reporting agencies investigate disputed information and delete any unverifiable, inaccurate, or incomplete entries within 30 days. However, due to the urgency of my housing situation, I am demanding that you correct these false eviction attempts within 3 days. 

Additionally, under the Fair Housing Act ( 42 U.S.C. 3601 et seq. ), landlords and property managers may deny housing based on incorrect eviction information, which constitutes a barrier to fair housing access. This misinformation is subjecting me to housing discrimination, violating my rights under federal law. 

Moreover, I bring your attention to the penalties outlined under the Consumer Financial Protection Bureau ( CFPB ) regulations. Failure to promptly address inaccurate information can result in civil liability for willful noncompliance, as per 15 U.S.C. 1681n, and negligent noncompliance, under 15 U.S.C. 1681o. You are required by law to maintain accurate information, and continued reporting of these false eviction attempts is both a breach of your legal obligations and a serious detriment to my rights. 

Below are the specific details of the inaccuracies : Property 1 : XXXX XXXX XXXX 2 : XXXX XXXX Dates of Alleged Eviction Attempts : [ Insert date or date range, if known ] I have attached documentation confirming that I have never been evicted. 
I request that these inaccurate eviction attempts be removed from my credit report within 3 days of receipt of this letter. Failure to do so may leave me with no option but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action under the FCRA. 

Upon completion of your investigation and removal of these erroneous entries, please send me a copy of my updated credit report showing these corrections. 

Thank you for your immediate attention to this critical matter. I expect your prompt response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
MOHELA student loan accounts are showing up twice in credit report. MOHELA very hard to get a hold of on the phone. Unsure why these problems keep happening

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I was reviewing my Consumer Report recently and I discovered that there were accounts reported that do not have permissible purpose. The information that is being reported is adversely affecting my character, my creditworthiness, my reputation, and my mode of living as a consumer. This is a clear violation of several federal laws that are governed by the Fair Credit Reporting Act, the FDCPA, and Title 18 under identity theft. 15 USC 6801 and 6802, talks about disclosure of non-public personal information and privacy obligations but it is clear that since my identity has been used, XXXX, XXXX, and Equifax have not upheld their obligations as consumer reporting agencies. Since there was no permissible purpose, per 15 USC 1681b, and non-public personal information was transferred without authorization, per 15 USC 6801, this is a clear indication of identity theft, which is stated in 18 USC 1028.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: NC

Complaint narrative:
I was reviewing my Consumer Report recently and I discovered that there were accounts reported that do not have permissible purpose. The information that is being reported is adversely affecting my character, my creditworthiness, my reputation, and my mode of living as a consumer. This is a clear violation of several federal laws that are governed by the Fair Credit Reporting Act, the FDCPA, and Title 18 under identity theft. 15 USC 6801 and 6802, talks about disclosure of non-public personal information and privacy obligations but it is clear that since my identity has been used, Experian, XXXX, and XXXX have not upheld their obligations as consumer reporting agencies. Since there was no permissible purpose, per 15 USC 1681b, and non-public personal information was transferred without authorization, per 15 USC 6801, this is a clear indication of identity theft, which is stated in 18 USC 1028.

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 2024-09-21 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: FL

Complaint narrative:
I was stunned this morning when I discovered that my credit report is showing inaccurate accounts, and I can't understand how they got there. I check my report regularly, but this time there were unexpected discrepancies. I even refreshed my browser thinking it could be a mistake, but nothing changedthe errors remained. I am now requesting that the documents I submitted be reviewed carefully, so I dont have to worry about this problem anymore.

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