vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: GA

Complaint narrative:
The following company Bounce AI is currently on my XXXX credit report with a balance of {$3200.00} original company XXXX XXXX XXXX As I have stated to the original company XXXX  I am not responsible for this debt. I have file FTC theft report and police report sent to credit reporting agencies and XXXX in the past.I have not receive a response from XXXX. The information they have on file for my identity does not represent me such as address, phone, email etc. The attempt to collect this debt and placing there name on my XXXX credit report is a violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. If this matter persist I will have know choice but to pursue legal action under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vengroff Williams, Inc
State: MI

Complaint narrative:
I just received a XXXX XXXX that I owe {$200.00}. I don't know when this was or how I got a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted several Identity theft reports to the credit furnishers for the fraudulent accounts on my credit file to be blocked/deleted. The credit furnishers ignored my complete and accurate Identity Theft reports, police affidavit and IRS identity theft affidavit supporting my claims. Instead I was sent a letter stating they were not gon na block it and suggested I requested this in error. They treated my claim as a regular dispute and processed it which the creditors response is it's verified which is their justification for not removing the fraudulent accounts. My identity was stolen of course the information will verify they have the correct information. The proper protocol was not done. This violates my rights as a consumer under the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: PA

Complaint narrative:
I submitted several Identity theft reports to the credit furnishers for the fraudulent accounts on my credit file to be blocked/deleted. The credit furnishers ignored my complete and accurate Identity Theft reports, police affidavit and IRS identity theft affidavit supporting my claims. Instead I was sent a letter stating they were not gon na block it and suggested I requested this in error. They treated my claim as a regular dispute and processed it which the creditors response is it's verified which is their justification for not removing the fraudulent accounts. My identity was stolen of course the information will verify they have the correct information. The proper protocol was not done. This violates my rights as a consumer under the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Recently, my husband and I applied to our mortgage company, Mr.Cooper, to remove the PMI ( Private Mortgage Insurance ) from our mortgage loan due to the current property value. We were instructed to pay {$190.00} for a property valuation. We paid the fee. A person arrived at our home on XX/XX/2023, stayed for five minutes, and left. During this time, he took photographs of our bedrooms and the outside and left. 
We received a letter denying the removal of PMI because we must meet the applicable loan-to-value ratio ( LTV ) according to the chart on page 2 of the letter. The chart on page 2 is as follows : Loan less the years old : Single Family Residence 80 % Loan is between two and five years old Single-Family Residence 75 % Loan is greater than five years old Single-Family Residence 80 % Ours is two and a half years old, and our LTV based on the current value is XXXX. It appears on the surface that Mr.Cooper systematically raised the PMI removal standard to 75 % in the category we fall into - to ensure we do not qualify because it doesnt make business sense to have a standard of 80 % LTV , raise that standard then lower it again after five years. This business practice appears discriminatory on the surface ; however, it guarantees PMI payments for at least five years if someone does not pay a 20 % down payment at the closing of an original loan. It also makes it difficult to remove PMI if the lender raises the LTV requirement for loans between two and five years after showing an excellent payment history after 24 months. 

My husband is a fully XXXX American veteran who could not use his VA Loan at the time of this purchase, due to another home, however when the interest rates lower, we plan to do so in the future. In the meantime, we do not want to waste finances on a product when we can place the PMI funds towards lowering the principle of this loan. 
As of the date of this letter, our loan balance is {$280000.00}, and the critically reduced value, without considering our corner lot size, beautifully landscaped yard, and upgraded master closet, is listed as {$350000.00}, which is an LTV of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: IN

Complaint narrative:
I sent letters to the bureau requesting METHOD OF VALIDATION ( not verification ) concerning the bankruptcy listed on my credit report. The bureau did not respond to the first request, so I sent a second letter. The bureau sent me a notice saying it was verified with the original company ( repo. I did not request VERIFICATIONI requested METHOD OF VALIDATION. And the bureau is not telling the truth, because I have an official statement from the bankruptcy court that says they do not verify information with any credit reporting agencies. I have enclosed all documentation attesting to all of this. The bureau is in direct and willful violation of the Fair Credit Reporting Act.

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 2024-04-14 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: FL

Complaint narrative:
I looked at my credit report and noticed everything still the same.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has voliated my right.

and according to 15 USC 168I 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) In general If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 
The person has been notified by the consumer at the address specified the person for such notices, that specific information is inaccurate and the information is in fact 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 explanation
Consumer complaint received 2024-04-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I looked at my credit report and noticed everything still the same.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has voliated my right.

and according to 15 USC 168I 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) In general If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 
The person has been notified by the consumer at the address specified the person for such notices, that specific information is inaccurate and the information is in fact inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: CA

Complaint narrative:
This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report XXXX separate times on XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act.

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation.

I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report 8 separate times on XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act.

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation.

I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DISCOVER BANK
State: CA

Complaint narrative:
So my XXXX XXXX XXXX XXXX card wasnt allowing transactions to go through for my bills. My mom helped me by letting me use her account to pay for the bills for the meantime. Discovery which is the bank that Im having issues with was charging my moms account but not her checking, it was a XXXX XXXX account. We didnt know until now. It seemed like it took out {$100.00} for XXXX but was able to transfer from my checking to cover. But for XXXX it again took out {$100.00} from the same account instead of the checking and got charged with two {$25.00} overlimit fees. I contact customer support for help as to why but they only explained that I need to talk to my bank about why. Never had a bank or company pull out money from other than my checking, and I ensured it is checking. The issue isnt which bank I used, but where theyre taking the money from. It wouldnt have been an issue if they used the checking or even saving account, but to use one that is empty is to me shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: CO

Complaint narrative:
Subject : Unauthorized Bankruptcy Reporting and Demand for Removal I am writing to express my concern and to notify you of a significant error in my credit report that you maintain. It has come to my attention that my credit report includes bankruptcy information, which has not only been reported without my explicit authorization but also in violation of established privacy norms as set forth by the bankruptcy court, which explicitly states that it does not provide consumer information to any third parties. 
This unauthorized reporting has had a detrimental impact on my ability to qualify for credit lines, directly affecting my financial standing and infringing upon my legal rights. Under the stipulations outlined in 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. Additionally, the Privacy Act of 1974 and related regulations protect individuals from such unauthorized dissemination of personal financial information. 
Given that this reporting was done without my consent and in violation of federal regulations, I am requesting the immediate removal of this bankruptcy information from my credit profile. Moreover, I am asking for a fine of {$1000.00} per violation, as compensation for the unauthorized use and dissemination of my personal data. 
Please process this removal and cease all further credit activity related to my profile as per my right to opt out. I expect written confirmation within 30 days confirming that these changes have been made. 
Thank you for your prompt attention to this serious matter. I trust that you will handle this request with the urgency it warrants and rectify the situation without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: TX

Complaint narrative:
XXXX : ACCT # XXXX 1. Inaccurate Payment History and Overall Amount Reporting 2. Status should reflect as PAID IN FULL!

3. Remove more than 180 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 non-monetary relief
Consumer complaint received 2024-04-14 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: TN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had a late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. 
This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2024 I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-04-14 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: CO

Complaint narrative:
Subject : Unauthorized Bankruptcy Reporting and Demand for Removal I am writing to express my concern and to notify you of a significant error in my credit report that you maintain. It has come to my attention that my credit report includes bankruptcy information, which has not only been reported without my explicit authorization but also in violation of established privacy norms as set forth by the bankruptcy court, which explicitly states that it does not provide consumer information to any third parties. 
This unauthorized reporting has had a detrimental impact on my ability to qualify for credit lines, directly affecting my financial standing and infringing upon my legal rights. Under the stipulations outlined in 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. Additionally, the Privacy Act of 1974 and related regulations protect individuals from such unauthorized dissemination of personal financial information.

Given that this reporting was done without my consent and in violation of federal regulations, I am requesting the immediate removal of this bankruptcy information from my credit profile. Moreover, I am asking for a fine of {$1000.00} per violation, as compensation for the unauthorized use and dissemination of my personal data. 
Please process this removal and cease all further credit activity related to my profile as per my right to opt out. I expect written confirmation within 30 days confirming that these changes have been made. 
Thank you for your prompt attention to this serious matter. I trust that you will handle this request with the urgency it warrants and rectify the situation without delay.

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 2024-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My complaint wasn't that Ally disabled my online portal so I can no longer use my bank information on the portal. I totally understand I had a few returns checks and that's why I can't use the portal. My issue is that I was told to use a 3rd party biller to send payments or mail in money order but state I only can use XXXX XXXX or XXXX XXXX to send payments which they charge XXXX $ XXXX $ to send payments. This is a form of punishment. I can set up an online account with XXXX XXXX and XXXX XXXX use my debit card to make the payment. With that being said I asked the question why can't I use the XXXX XXXX XXXX XXXX that Ally uses on the portal that charge XXXX $? When I attempted to use XXXX and put my account number in it's as if I don't have an account with Ally it couldn't be found. What's the difference they are also a 3rd party biller? I could not get a direct answer from any of the representatives. I also submitted payment through XXXX another 3rd party biller that charges XXXX $ that payment wasn't even applied until I called Ally why? When I asked the representatives no one can give me a direct answer to my questions. Why is that? I believe Ally gets some kind of kick back or incentive for forcing/bullying consumers to only use XXXX XXXX and XXXX XXXX or their payment won't go through which is not right and I am having their practices investigated and possibly file a civil suit against this company. Ally please don't response with these generated letters or sending me my loan contract or telling me about my declined payments that resulted in not using the portal these things are not the issue. The bullying of your consumers into using certain 3rd party billers is my issue. The lack of getting clear and direct answers to questions asked is my issue. Not requesting use of the online portal I am searching for a new lender but would like access to checkfree 3rd party to make payments until I can be removed from Ally

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 Account Number XXXX, XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # 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 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 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