vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX of XXXX I applied for a FHA home loan with JPMCB JP MORGAN CHASE BANK. In XX/XX/2021 I finally heard from them. After waiting several of months to get back to me, they proceeded to run my credit and told me I did not qualify for any loan even before my credit was ran. I asked about the fha and fhaXXXXk programs that would have catered to me but was denied without an explanation. I did not receive a letter for reasoning but it was placed on my credit report without my expressed permission. In fact, I strictly asked them not to place it on my credit report if we werent going to have a relationship on this subject. This damaged my score and hurt my financial profile greatly. This was a violation of my consumer rights, as you know it is illegal to cause an adverse action because of a mortgage and/or trade line based on credit score or insufficient income per 12 usc 202.9 its illegal to give vague reasoning and not notify the consumer of reasoning behind denial per TILA, FCRA, and ECOA. When asked to remove the trade line off of my consumer reports, I was denied and had to hash it out with the bureaus which are truly just credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to Privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to Privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The Credit bureaus have stated that my accounts were properly investigated. This is not possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This constitutes grounds for removal. The following List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX BANK Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX BANK Account # XXXX, has violated my rights. 
US DEPT OF EDUCATION Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A : Which states I have a right to privacy.

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

15 U.S.C 1681c ( a ) ( 5 ) 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 crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The Credit bureaus have stated that my accounts were properly investigated. This is not possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This constitutes grounds for removal. The following List of Accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX BANK Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX BANK Account # XXXX, has violated my rights. 
US DEPT OF EDUCATION Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A : Which states I have a right to privacy.

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

15 U.S.C 1681c ( a ) ( 5 ) 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 crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
These accounts are fraudulent and do not belong to me these accounts are also reporting different opening dates as well as different balances across the XXXX credit bureaus. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$190.00} These accounts are not only fraudulent these accounts are also reporting d

ifferent dates and different balances. Some are reporting paid to one bureau and charged off on the other bureau. And according to the FRCA 15 U
SC 1681 everything has to be 100 % Accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter off on approximately XX/XX/XXXX XXXX my tracking numbers are XXXX, XXXX, and XXXX. To remove personal information that I do not want on my credit report. According to the fair act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter off on approximately XX/XX/XXXX XXXX my tracking numbers are XXXX, XXXX, and XXXX. To remove personal information that I do not want on my credit report. According to the fair act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Opportunity Fund
State: FL

Complaint narrative:
XXXXXXXX OPPORTUNITY FUND DENIED MY CREDIT APPLICATION for reasons unknown. 12 CFR 202.9 states a credit score and/or insufficient income or trade lines are not reasonable reasons for denial. This company still furnished negative information on my credit report although there wasnt any means to since they did not want a banking/credit relationship with me. Under 15 usc 1692 I the consumer have a right to privacy, and furbishment of negative information which was also a violation, violated my consumer rights. I reached out to the company in order to make this right in good faith but they simply, did not care. I received a letter from them letting me know they did not care about my rights being violated and were not willing to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of Brett M. Borland, P.C.
State: MI

Complaint narrative:
I asked The law office of Brett M. Borland to validate this debt as belonging to me three times now. They sent me the attachments on two of the three request. The attachments are missing pages, the signature is not mine and there they provided ZERO proof that this debt is mine.

I demand the debt be removed from my credit report within two weeks of this complaint or I will obtain my own attorney and sue them for any and all violations that the have commitment with regard of the fair credit reporting act. 

This is completely unacceptable that they just pulled my name out of thin air and expect me to pay for something that is obviously not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There is incorrect personal information 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 non-monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian and XXXX XXXX XXXX did not verify or even work in good faith to resolve the issue. Both companies fails to provide accurate reporting of the collection account wrongly reported on my credit profile. Company claims it was verified simply cause they have a form with allegedly my name and info on it. Fact of the matter is XXXX XXXX XXXX has not provided witnesses, photos, videos are anything show definitive proof of who asked for set up or made the account in question. Time frame they are reporting I was living XXXX miles away. 

On the other hand Experian colluded with XXXX credit to allow faulty information on my profile without it being verified fairly and accurately. Company simply throws up their hands and says well we just report what the XXXX agency reports regardless of if accurate or not. My proof or says is not taken into account it is just simply thrown to the side. 

The reporting process is crooked and stacked against the defending party. Anywhere else its innocent till proven guilty but here its they can falsely accuse with damaging consequences to some who is being wronged already. This account appears to be XXXX years old and coming out of no where at this time. They are reporting it as a new account opened XXXX of 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XXXX I issued a Letter of DIspute to XXXX, XXXX, and Transunion via the C.F.P.B, outlining issues of incorrect information they were reporting about me. As per the Fair Credit Reporting Act and the F.T.C, XXXX had 15-30 days in order to respond to my Letter of Dispute, failing to do so required the to delete ALL erroneous items which I had disputed to them. 
XXXX did not respond to my Letter of Dispute untill XXXX, therefore failing to respond in the time frame allotted to them by Fair Credit Reporting Act and the F.T.C. 
It is without a doubt that XXXX, XXXX, and Transunion are certain of these laws which they must abide by, however this case is a prime example of XXXX 's clear and blatant disregard of the Laws set forth in the Fair Credit Reporting Act and the F.T.C, and proves how they actively work to undermine the Laws and Regulations set forth upon them by their XXXX 's. 
I will attempt to yet again contact XXXX, XXXX, and Transunion via the C.F.P.B in hopes of having this matter resolved the way the Law writes that it should, however if i find that this does not solve the issue which i have i spelled out in our prior correspondence, then i will have no choice but to obtain Legal Counsel and seek damages for this continued injustice. It is my hopes that XXXX will not force me to tie up unnecessary time and resources of our Courts in order to have this wrong righted. 

Sincerely, 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 2022-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My mortgage is with mr. Cooper. I was in covid-19 forbearance protection last year I was coming out of it at the end of XXXX of last year. The option I picked was I can resume making monthly payments just I can't afford my old payment of XXXX a month. With having FHA they were supposed to come back with a XXXX recovery modification with 25 % less payment and a lower interest rate to lower my monthly payment. It was supposed to be finalized for XXXX when I want to make my XXXX payment they told me to hold off until XXXX it will be finalized then I sent back numerous low modification packets they kept being sent back for the same reason because of notarization which was correct they accepted one of the previous ones if they sent me XXXX out and didn't bother to tell me. So anyway it was finalized for XXXX I made my mortgage first payment which was actually the incorrect monthly payment so then the payment came down a little bit for the XXXX payment before I could pay the XXXX payment the whole loan modification became undone after was finalized I've been in contact with them numerous times since XXXX had an expedited over XXXX times and still nothing no answer they said it became undone due to possible monies being d u e. But that is incorrect because with a covid-19 recovery modification there is no 90-day trial. Also they approve me for a disaster modification which that is not what I wanted I was supposed to be approved for a covid-19 loan modification. I made marches payment like I said before I also made them take XXXX and XXXX 's payment so I wouldn't know a bunch of money just in case and I told them I want them credit it XXXX XXXX XXXX to the new loan modification and not to the old balance I have asked them repeatedly to push this through since I was already finalized with all the correct numbers which should be 25 % less and a lower interest rate to make my payment lower than XXXX a month and also have the correct escrow numbers in there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XXXX I issued a Letter of DIspute to XXXX, Experian, and XXXX via the C.F.P.B, outlining issues of incorrect information they were reporting about me. As per the Fair Credit Reporting Act and the F.T.C, XXXX had 15-30 days in order to respond to my Letter of Dispute, failing to do so required the to delete ALL erroneous items which I had disputed to them. XXXX did not respond to my Letter of Dispute untill XXXX, therefore failing to respond in the time frame allotted to them by Fair Credit Reporting Act and the F.T.C. It is without a doubt that XXXX, Experian, and XXXX are certain of these laws which they must abide by, however this case is a prime example of XXXX 's clear and blatant disregard of the Laws set forth in the Fair Credit Reporting Act and the F.T.C, and proves how they actively work to undermine the Laws and Regulations set forth upon them by their Superior 's. I will attempt to yet again contact XXXX, Experian, and XXXX via the C.F.P.B in hopes of having this matter resolved the way the Law writes that it should, however if i find that this does not solve the issue which i have i spelled out in our prior correspondence, then i will have no choice but to obtain Legal Counsel and seek damages for this continued injustice. It is my hopes that XXXX will not force me to tie up unnecessary time and resources of our Courts in order to have this wrong righted. Sincerely, 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 2022-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are three accounts on my credit profile that were unauthorized. They are from the same collector ; all have different accounts reporting to all three-credit bureaus and all have the same amount reporting. I reached out to the company for them to provide me with identity verification and an original contract with a wet signature from me. They could not furnish this information. I have demanded that they removed it from my credit report being that the information could not be furnished, and the account is listed as a charge off. 

company name : XXXX account numbers : XXXX ; XXXX : XXXX

Company response to consumer: Closed with explanation