vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: GA

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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Guild Holdings Company
State: CA

Complaint narrative:
I submitted a complaint within the last 60 days of this one. I never received any of the documents I request such as : disclosures, validation of debt. Now the company is denying any amount of payment less than XXXX . And they have told me over the phone that my house is in foreclosure. I am not evading to pay I am simply asking for flexibility such as a payment plan. Instead I am being told that soon my home will be for sale against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
inaccurate reporting to consumer report and violation of privacy. I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXX, PRIVACY ACT OF 1974 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7

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 2024-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
I sent transfer request by XXXX XXXX from my BMO bank account in California, XXXX to XXXX, XXXX. The funds did not arrive in XXXX as promised and XXXX XXXX said they returned my funds back to my BMO account in California. When I tried to access my BMO account, they said that my account had been locked because " I '' put in the wrong password ten times. I don't believe I put in the wrong password. After many phone calls, BMO requested that I send them a notarized copy of my passport, which I did. After I sent my passport copy, in order to prove my identity, BMO said they can not accept the notarized passport if I don't include the business card of the person who notarized my passport. 
I felt this was unreasonable and only further delayed me from getting access to my account. In addition, when I sent BMO additional documents through their " secure site, '' BMO said they never received any of my documents.

So, I re-sent my documents more than seven times, while I was calling them over 20 different phone calls, while being put on hold. While I was on hold during a phone call, BMO said they would send me a different link to send my documents, After I received their new link, I sent the documents again, and again BMO said they didn't receive my documents, My hypothesis is that they don't want me to see my account until they figure out what to do about the strange XXXX XXXX and XXXX transactions. Anyway, I feel that something is being hidden, and something is for sure ethically wrong with this situation.

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 2024-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
There was a discrepancy with a payment I made, where the payment was returned without my consent or clear explanation. Despite fulfilling my financial obligations, the payment was not processed as expected, which has negatively impacted my credit report and led to further complications. Additionally, the original loan, serviced by XXXX XXXX, was securitized and sold to Carrington Loan without my agreement. This constitutes a breach of contract and potential securities fraud. I have requested the promissory note, deed, and chain of title, but these documents have not been provided. The failure to properly process my payment, combined with the unauthorized transfer of the loan and the failure to produce the necessary documentation, has caused significant harm to my credit and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The company SYNCB/XXXX  is reporting a hard inquiry on my credit report without my knowledge or consent. I have not done any business with this company it is no reason they should be sharing my personal information. They inquired on XX/XX/XXXX and set it to continue until XX/XX/XXXX. XXXX is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a 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 non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Good afternoon XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a couple of days ago I was viewing my statements from Bank of America and realize two transaction that I did not authorize. I could not find my card so I call Bank of America to tell them of the situation and open a dispute a couple days later Bank of America stated that the transaction was mine Because they see me doing multiple transactions and I did not review my statements. They see me do multiple transaction but not with a credit card with XXXX to pay my workers or wire transfer. they never see me use a credit card so can you say is my fault that I did not view my statements theres millions of people dont have the time to view all their statements each year. It is your job to rectify it. When a customer see the mistake. I called in about it not throwing blame on the Customer. If you seen a large transaction use from a debit card. It is your job to reach out to the customer to verify with them. To see if it was them making that large transaction but Bank of America never did that but they want to throw the blame to me.

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 monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
inaccurate reporting to consumer report and violation of privacy. I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXX, PRIVACY ACT OF 1974 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7

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 2024-12-22 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: DC

Complaint narrative:
inaccurate reporting to consumer report and violation of privacy. I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXX, PRIVACY ACT OF 1974 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ok so the account number of the account in question on my transunion credit profile is XXXX, these people are still actively reporting false and inaccurate information. this is pursuant to US court of appeals, ninth circuit No. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Reason for bringing this dispute to the attention of this corporation is defamation, and financial injury. the fine that is allowed by law is the extent of damages incurred by the wronged party as deemed by the courts. Pursuant to 15 USC 1692k ( 1 ) - civil liabilities, - any actual damage sustained by such person as a result of such failure ; with the word ANY - being defined as unrestricted pursuant to XXXX XXXX XXXX so that would leave roughly a {$60000.00} for all the falsely reported information from. XX/XX/XXXX - XXXX XXXX further more, pursuant to FCRA 623, Cushman v transunion corporation US court of appeals for the third circuit court case 115 F. 3d 220 XX/XX/XXXX, Filed ( XXXX XXXX. XXXX ) the reason why would be again for defamation and for willful injury. Again Pursuant to 15 USC 1692k ( 1 ) - civil liabilities, - any actual damage sustained by such person as a result of such failure ; with the word ANY - being defined as unrestricted pursuant to XXXXXXXX XXXX XXXX this would leave another XXXX violation on the table for a district court judge to decide on. 
further more let this be a notice to corporation named " XXXX '' that this is a cease and desist pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist, of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this alleged debt until the name and date of the flesh and blood human being is given, name of original creditor disclosed, and the public and private GAAP accounting records of this account are given.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is a lot of false hard inquiries on my credit report that needs to be removed and some companies put excessive inquiries on my credit report

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
inaccurate reporting to consumer report and violation of privacy. I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXX, PRIVACY ACT OF 1974 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7 I HAVE NO CONTRACT WITH XXXXXXXX XXXX XXXXXXXX ACCT XXXX XXXX AND THEIR IN VIOLATION OF 5 USC 552a

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 2024-12-22 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: DC

Complaint narrative:
inaccurate reporting to consumer report and violation of privacy. I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXX, PRIVACY ACT OF 1974 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7 I HAVE NO CONTRACT WITH XXXX XXXX XXXX ACCT XXXX XXXX AND THEIR IN VIOLATION OF 5 USC 552a

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: IL

Complaint narrative:
Hello my information was exposed to a XXXX Experian Data Breach as well as my peronsal information was exposed on Experian Dark Web official website experian.com and my information was exposed over 10 times. As well as my accounts that are reporting on my credit profile

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 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear JPMorgan Chase & Co., I am writing to formally dispute your claim of ownership and collection rights over the debt associated the account : ( XXXX ). After conducting a thorough review of the records pertaining to this account, I have identified the following issues : 1. Transfer of Debt to Chase Issuance Trust : I have clear and indisputable evidence that the debt in question was transferred to the Chase Issuance Trust under filing number XXXX. As such, ownership of this debt was legally transferred to the trust, and there is no record indicating that it was subsequently reassigned or transferred back to you. Therefore, you no longer have the legal standing to collect on this debt. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The continued reporting of this debt under your name is a direct violation of the FCRA. Reporting inaccurate information to credit reporting agencies undermines the accuracy and integrity of my credit profile, causing unnecessary harm to my financial standing. 
I am formally requesting that you immediately cease all collection activities related to this debt and ensure that all references to this debt are removed from my credit reports with all consumer reporting agencies. Failure to comply with this request may leave me with no choice but to pursue legal action to protect my rights under the FCRA and any other applicable laws. 
Please confirm in writing within 30 days of receiving this letter that : You have ceased all collection activities related to this account. 
All references to this debt have been removed from my credit reports. 
If you believe this matter requires further clarification or documentation, please contact me in writing at the address provided above. I expect your prompt attention to this matter and resolution in accordance with applicable laws. 
Sincerely, [ XXXX ] All Rights Reserved Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I took aout a loan for a XXXX XXXX and it was with Service Finance Company LLC. 

i have had trouble from day XXXX getting my statement in a timely manner. 

I have made many calls and with a hearing XXXX this is difficult for me. 

The employess are not helpful or sensitive to my XXXX. 

My payment is due by the XXXX of each month. 

This month I did not receive the statement until the XXXX of the month. 

When it was not here by the XXXX, i tore part of an old statement off, wrote a check with an explanation and mailed it. 

I am being told they never received it and from reviews I have read about this company, they do this a lot. 

Today the employee said I am still in the XXXX XXXX '' and they will put in a complaint and to call back the XXXX or XXXX. 

I was told I could make this payment today which I would not do as I already sent a check. 

I have never had a company like this, ever and I pride myself on making my payments every month before the due date. 

I have also requested my statement be changed to right after the first of the month and was denied the request. 

I am a XXXX XXXX and this is causing me great anxiety.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
You keep XXXX with my credit and score get this XXXX right and stop playing around with peoples lives Im sick of this XXXX how XXXX XXXXXXXX do I drop XXXX points in one day due to incorrect information and 1 inquiry even the lady at FICO XXXX said shes never seen anything like this before in her 20 year career

Company response to consumer: Closed with explanation