vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-16 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts, address and inquiry as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts, addresses and inquiries as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted all of the proper documentation to Equifax more than once. I have additional documentation that I have sent in as well. Whenever I call for an update, I'm told I will hear back within 24-48 hours. No one has reached out each time ; I call in and get the runaround. Each time I call, I submit additional documentation with a rep on the phone via an email link they send. All they say is. " the department needs more information. '' There is no specialist to speak to, no one to ask what they need, and no one to confirm anything. My XXXX XXXX adverse data has been appropriately removed from other credit bureaus because I have provided all the necessary documents for you to do so and have given the same information to Equifax since XXXX. The reps I speak to say there is no one in the investigation department to speak to ever. I have not been provided with a single point of contact nor proper assistance with this being resolved in a proper amount of time. 

XX/XX/XXXX multiple times XX/XX/XXXX multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a Chase Bank for more than 10 years for both business and personal. All XXXX of my children have accounts at Chase including my business and personal account. 2 of the last 3 times we have deposited {$500.00} in cash to the ATM machine at the bank, the machine has had problems with the deposit and failed to complete the deposit and failed to return the money. When I filed a complaint, they provided a credit but then took the credit away citing the deposit was never made. I went to the branch and complained and had the police come and file an incident. I then called the fraud department who handles this type of thing and they refused to accept the video and picture evidence of my deposit and said they will not use the ATM camera security footage to verify that I made the deposit. They told me that I would have to hire an attorney and file a lawsuit and subpoena the footage. Last Thursday I called the branch manager and told him I was really dissatisfied with the service provided by chase and that I would be closing my accounts. The next day Chase with no warning and for no reason closed all of my accounts preventing myself from running my business, my wife who is XXXX and XXXX kids from getting gas, pay bills, or pay for medical expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
On XX/XX/2024 I made a mobile deposit in the amount of {$25000.00} in the form of a cashiers check into my Navy Federal checking account. This was a third party check. Prior to making the deposit because it was a third party check I called and asked the bank if there were any special or additional tasks that I would have to complete, I was informed by the customer service representative that I just needed to make sure that the other party had signed it and that I had signed it, and that the third party wrote on the back of the check " pay to the order of XXXX XXXX. I did as they asked. I was told by the bank that they needed a hand written letter from myself and the third party explaining the circumstances of the check along with a copy front and bank of both of our ID 's. I sent in this information to them. They told me that they denied my request and had me fill out another form. I had done this as well. Every time I call in to check the status of the deposit they tell me they need me to send in more documentation and letters. 
I spoke with the issuing bank and they had told me that the cashiers check had been redeemed and paid out to my account on XX/XX/XXXX. The funds have cleared and I have sent in all the necessary/ requested documentation, and they keep sending me on endless tasks. I don't know what else I can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: EQUITY LOANS LLC
State: FL

Complaint narrative:
Our lender refinanced our home but missed the deadline date and had us back date the loan documents then they sold our loan even though it says in the contract they would not. Then they sent the homeowners check to the wrong insurance company causing our homeowners insurance to lapse for 4 months then the next day placed PMI insurance on our Va loan even though they knew our homeowners company went solvent and had a new one. They then charged us all these extra escrow fees PMI insurance late fees and sent us a satisfaction release and discharge. I have all the evidence we need help we are now behind bc of all these fees and PMI insurance

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 2024-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received the attached letter from a company called XXXX XXXX XXXX attempting to collect on a debt for an XXXX account from XXXX plus years ago. I have filed a CFPB complaint with XXXX on a prior collection attempt from 3 years ago and they sent me a letter RE : CFPB Case # XXXX on XX/XX/XXXX stating that their records do not show this debt. This company XXXX XXXX XXXX XXXX is constantly calling myself and my relatives and tries to collect on a debt that would be time barred if it was real. They are in violation of consumer law section 1006.26 ( Collection of TimXXXX Barred Debts ) which states that ( b ) Legal actions and threats of legal actions is strictly prohibited. A debt collector must not bring or threaten to bring a legal action against a consumer to collect a time barred debt. The attached letter received today is a direct violation of this rule. It has a series of references to XXXX, XXXX, Bank XXXX and lawsuits. I filed an additional complaint against XXXX as they are listed as the original creditor on this letter. However, they responded that they have no record of this debt and that we must reach out to Capital One as they may have bought this debt from XXXX. Please see attached letters. I need to have Capital One confirm that this debt never existed in their records and this collection effort is not on behalf of their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: CCS Financial Services, Inc.
State: MO

Complaint narrative:
Credit Collection Services are reporting illegally on my XXXX credit report this company is clearly in violation of my consumer rights Act 15 usc 1692gThis company has not given any validation that this is even my account therefore these actions may constitute fraud under both federal and state laws.please help! Original creditor XXXX insurance alleged owe amount {$610.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: GA

Complaint narrative:
There are XXXX satisfied accounts from XXXX XXXX on my credit report that I have been requesting for removal for over XXXX  days. The company only has a fax number in which I have faxed several requests, and the XXXX XXXX has failed to respond. 

XXXX XXXX has poor communication and most of their agents provide incorrect information whenever someone is available to answer calls after several attempts to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX - Sent the following to the company via certified mail and have since recieved no response : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah, XXXX CapitalOne Representative- I spoke with a representative on XX/XX/XXXX who advise me that I need to send this document into your team as well as your Fraud Department XXXX 
Below is a snippet of my credit report that reflects someone elses account that I did not authorize to be added to. I was FRAUDULENTLY added to this account without my consent and wish to have this account removed from my CapitalOne profile ( if it is still attached ) and also removed from my credit profile. 

XXXX Account # XXXX High Balance {$1600.00} Last Verified XX/XX/XXXX Date of Last Activity XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Closed Date XX/XX/XXXX Account Rating Closed Account Description Account relationship terminated Dispute Status -- Creditor Type Banks and XXXX XXXX XXXX Account Status Closed Payment Status Paid or paying as agreed Creditor Remarks -- Original Creditor -- Payment Amount {$0.00} Last Payment -- Term Length -- Past Due Amount -- Account Type Revolving account Payment Frequency Monthly Credit Limit {$1500.00} XX/XX/XXXX I again sent the following document to the company via Certified mail and have since still recieved no response : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX CapitalOne Representative- I spoke with a representative on XX/XX/XXXX who advise me that I need to send this document into your team. 
Below is a snippet of my credit report that reflects someone elses account that I did not authorize to be added to. I was FRAUDULENTLY added to this account without my consent and wish to have this account removed from my CapitalOne profile ( if it is still attached ) and also removed from my credit profile. 

XXXX Account # XXXX High Balance {$1600.00} Last Verified XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Closed Date XX/XX/XXXX Account Rating Closed Account Description Account relationship terminated Dispute Status -- Creditor Type Banks and XXXX XXXX XXXX Account Status Closed Payment Status Paid or paying as agreed Creditor Remarks -- Original Creditor -- Payment Amount {$0.00} Last Payment -- Term Length -- Past Due Amount -- Account Type Revolving account Payment Frequency Monthly Credit Limit {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 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: PA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
In XXXX, my husband and I endured financial hardship after he endured XXXX for 8 months. 
I applied for a harship and was approved, I was constantly assured that this would include XXXX  payment. 
The documents were sent for signature and it clearly included XXXX payment. They were signed and returned showing this was a forbearance. 
They then went in and placed a 30 day late on the XXXX payment which is totally incorrect. They have done nothing but give me the run around for a week trying to resolve it. During which time other creditors have lowered my credit limits which is affecting my score even more. Every time I call it is someone different with their own interpretation of the situation.A forbearance agreement claims to show no negative or derogatory information during the period of time.

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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I called on XX/XX/24 to check the status of my credit protection and the agent let me know that the doctor didn't sign the forms for both credit cards and XXXX # is missing. TO DATE none of the forms i submitted had a XXXX number and was apporoved. Also the DOCTOR DID sign the XXXX form forvmy milestone ( see attachment )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: WA

Complaint narrative:
UFB Direct appears to be operating a fraudulent business built purely on false advertising and inadequate customer notification. 

They advertise high savings rates, then change the name of their product on a regular ( up to monthly ) basis. They then drop the rate on the old names of the savings product without any public disclosure or notice to impacted account holders. Their website makes no reference to their " bait-and-switch '' business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent a letter request to opt out of reporting. And did not receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are two satisfied accounts from XXXX XXXX on my credit report that I have been requesting for removal for over 90 days. The company only has a fax number in which I have faxed several requests, and the XXXX XXXX has failed to respond. 

XXXX XXXX has poor communication and most of their agents provide incorrect information whenever someone is available to answer calls after several attempts to contact 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 2024-01-16 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: PA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed 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 2024-01-16 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: MD

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) # XXXX 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  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 of 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 2024-01-16 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against NATIONAL CREDIT SYSTEMS for egregious violations of the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( CFR ), and the Privacy Act of 1974. These violations pertain to the unauthorized disclosure of my nonpublic personal information to non-affiliated third parties without proper notice or consent, a clear breach of privacy regulations outlined in the aforementioned laws. Congressional Findings and Compliance Obligations : 15 U.S. Code 1681 emphasizes the critical importance of fair and accurate credit reporting for the efficiency of the banking system. It mandates fair evaluation of consumer information by reporting agencies and stresses the significance of consumer privacy protection. Consumer reporting agencies are legally obligated under 15 U.S. Code 1681e to implement procedures ensuring the highest accuracy of consumer reports. NATIONAL CREDIT SYSTEMS disclosure of inaccurate information violates these obligations and breaches statutory provisions. Details of Violations : 1. **Disclosure of Nonpublic Personal Information : ** NATIONAL CREDIT SYSTEMS without obtaining requisite consent or providing proper notice, disclosed my personal information to non-affiliated third parties namely XXXX . This action directly violates the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the FCRA ( 15 U.S. Code 6802 ). 2. **Failure to Provide Opt-Out Opportunity : ** I was not offered the opportunity to opt out of the disclosure of my nonpublic personal information, as mandated by the FCRA 15 U.S. Code 6802 ( b ), exacerbating the violation. 3. **Continued Right to Opt Out : ** As per 16 CFR 313.7 ( f ), I reserve the right to opt out at any time, a privilege denied to me by NATIONAL CREDIT SYSTEMS actions. 4. **Exclusion of Transaction and Experience Information : ** NATIONAL CREDIT SYSTEMS included transaction history within reported information, violating the exclusionary provision of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The unauthorized disclosure of my personal information by NATIONAL CREDIT SYSTEMS has caused significant financial and emotional distress, disrupting my life.

Enclosed are supporting documents detailing the violations and their impact on my financial and emotional well-being. I appreciate your attention to this matter and await your prompt action.

Company response to consumer: Closed with explanation