vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to file a formal complaint against Portfolio Recovery Associates due to their handling of a debt collection matter, which I believe has led to several violations of my rights under federal regulations. Specifically, I allege the following infractions : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Portfolio Recovery Associates did not provide the requisite validation information for the debt they claim I owe. Despite my repeated requests, they have failed to supply the necessary details, such as the amount owed, the original creditor, and pertinent account numbers. 
2. Denial of Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : Portfolio Recovery Associates neglected to inform me of my right to dispute the debt within the mandated time frame. They did not adequately communicate my rights to contest the validity of the debt or to request verification, thereby obstructing my ability to exercise these rights.

3. Use of False, Misleading, and Deceptive Means : Portfolio Recovery Associates has employed deceptive practices in their attempts to collect the alleged debt. They have provided incorrect information about the debt and have used coercive tactics to pressure me into making payments without proper validation.

4. Improper Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ) : Portfolio Recovery Associates has reported inaccurate and unverified information regarding this debt to consumer reporting agencies. This action has adversely affected my credit score and my ability to secure credit, despite the debt being neither validated nor properly substantiated. 

This debt is said to be opened in XXXX information is reported differently between all 3 credit bureaus. They are still not correcting their ways despite being sued. CFPB cracks down on Portfolio Recovery Associates with {$24.00} XXXX judgment By XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX POSTED IN CFPB, DEBT COLLECTION, REGULATORY AND ENFORCEMENT On XX/XX/XXXX, the CFPB filed a complaint and proposed judgment against Portfolio Recovery Associates , LLC ( PRA ), one of the largest debt collectors in the United States. If entered by the court, the proposed judgment would require PRA to pay {$12.00} XXXX to allegedly harmed consumers and {$12.00} XXXX to the CFPB as a civil penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: AZ

Complaint narrative:
there are items that clearly dont belong to me on my credit report and i need them taken off immediately. ive attached an idenity theft paperwork you asked for...

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 2024-05-18 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: AZ

Complaint narrative:
there are items that clearly dont belong to me on my credit report and i need them taken off immediately. ive attached an idenity theft paperwork you asked for...

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under FCRA 605B, it's required to remove any inaccurate accounts from my credit report. This account has been reported inaccurately, and I request its removal. I should receive {$1000.00} for each erroneous report on my credit file.

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 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I owe a debt to Bank of America and they are harrassing my mother with phone calls.

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 2024-05-18 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: CA

Complaint narrative:
XXXX XXXX services opened on XX/XX/year> Without my knowledge. this card opend by someone who has my information. I sent this to all credit and asked them to Investigate after while I look at my report and noticed everything is still the same. 
According to 15 USC 1681 iFive they are supposed to do this five treatment of inaccurate or on verifiable information.

If after any reinvestigation under paragraph one of any information distributed by a consumer an item of the information is found to be inaccurate on incomplete or can not be verified the consumer reporting agency show properly delete the item of information from the file of the consumer or modified that item of information as appropriate based on the results of the reinvestigation.

And properly notify The Furnisher of that information that information has been modified or deleted from file of the consumer. and according to 15 USC 1681EB they are supposed to ensure this be a currency or Freeport whatever consumer reporting agency prepare a consumer report it should follow reasonable approach the door to ensure maximum possibility accuracy of the information concerning the individual about whom the report relates and according to 15 USC 1681S to this os supposed to happen a reporting information with actual knowledge of errors a person should not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate be reporting information after notice and confirmation of a rude person shall not furnish information relating to consumer to any consumer reporting agency if The person has been notified by the consumer at the address specified by the person for such a notice that specific information is an inaccurate and information is in fact inaccurate. XXXX Trans Union XXXX really did not re-investigation they lied on an official document saying they did something they did not do and if I have evidence to prove my case

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 2024-05-18 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: CA

Complaint narrative:
XXXX XXXX services opened on XX/XX/year> Without my knowledge. this card opend by someone who has my information. I sent this to all credit and asked them to Investigate after while I look at my report and noticed everything is still the same.

According to 15 USC 1681 iFive they are supposed to do this five treatment of inaccurate or on verifiable information.

If after any reinvestigation under paragraph one of any information distributed by a consumer an item of the information is found to be inaccurate on incomplete or can not be verified the consumer reporting agency show properly delete the item of information from the file of the consumer or modified that item of information as appropriate based on the results of the reinvestigation.

And properly notify The Furnisher of that information that information has been modified or deleted from file of the consumer. and according to 15 USC 1681EB they are supposed to ensure this be a currency or Freeport whatever consumer reporting agency prepare a consumer report it should follow reasonable approach the door to ensure maximum possibility accuracy of the information concerning the individual about whom the report relates and according to 15 USC 1681S to this os supposed to happen a reporting information with actual knowledge of errors a person should not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate be reporting information after notice and confirmation of a rude person shall not furnish information relating to consumer to any consumer reporting agency if The person has been notified by the consumer at the address specified by the person for such a notice that specific information is an inaccurate and information is in fact inaccurate. XXXX XXXX XXXX Equifax really did not re-investigation they lied on an official document saying they did something they did not do and if I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-05-18 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX & XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XX/XX/XXXX =======TRANSUNION XXXX XXXX, XXXXXXXX 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 XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION oXXXX XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX & XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX =======EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX 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

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 2024-05-18 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: Global Lending Services LLC
State: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX XXXX, I'VE RECENTLY NOTICED SOME UNAUTHORIZED INQUITIES ON MY REPORT & ACCORDING TO THE FCRA THIS IS A VIOLATION OF MY RIGHTS, AND ILL LIKE TO THE ACCOUNT REMOVED IMMEDIATELY FROM MY REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
On XX/XX/2024, I sent an email to Flagstar Bank, my loan servicer, to remove private mortgage insurance on my loan number XXXX for my property located in California. On XX/XX/XXXX, Flagstar responded with a letter indicating that I needed to order a property valuation ( appraisal ) at a cost of {$550.00}. 

On XX/XX/XXXX, I responded by email asking Flagstar to identify why a broker price opinion ( " XXXX '' ) was not available as an option prior to the appraisal. XXXX XXXX XXXX XXXX XXXX XXXX requires that the Servicer " verify the current value by a new XXXX ordered and obtained through XXXX, unless applicable law requires that an appraisal be used ... '' On or about XX/XX/XXXX, Flagstar responded with the same letter Flagstar sent me on XX/XX/XXXX, indicating that I needed to order a property valuation ( appraisal ) at a cost of {$550.00}. Flagstar did not respond to my request to identify the applicable law that required an appraisal be used. 

On XX/XX/XXXX, I responded by email again, reiterating my request that Flagstar identify why a BPO is not available for a property valuation, and if not, what applicable law Flagstar is using to base this on. 

On XX/XX/XXXX, having not received any further response from Flagstar to my XX/XX/XXXX correspondence, I emailed Flagstar reiterating my request : for Flagstar to identify why a BPO is not available for a property valuation, and if not, to identify what applicable law Flagstar is using to base this on. Shortly after my last email on XX/XX/XXXX, Flagstar called me and advised that they would look into my request. 

On XX/XX/XXXX, I called Flagstar to inquire on the status of my request and spoke with XXXX ( spelling? ), a supervisor from Flagstar 's PMI department. XXXX advised that she was not aware of the applicable law that Flagstar is relying on to deny my request for a BPO. XXXX advised that I should contact XXXX XXXX, the investor of my loan with further questions and that Flagstar did not have the answer. 

The same day, I called XXXX XXXX at XXXX XXXX to understand why a BPO is not available for a property valuation, and if not, to identify what applicable law Flagstar is using to base this on. XXXX XXXX advised that they do not know of a requirement for why BPOs can not be used in California. XXXX XXXX also advised that the servicer ( Flagstar ) is the interpreter of the guide. XXXX XXXX opened a case with Flagstar to better understand why Flagstar is denying the XXXX as a property valuation. The XXXX XXXX XXXX XXXX is XXXX. 

As of XX/XX/XXXX, I have not received a responsive answer to my request.

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 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: WA

Complaint narrative:
This company Onjuno I have a checking account with them and went to use my funds that they let be deposited on my account. But they are saying use of everyone 's funds are restricted because they are in a disagreement with a business partner. Meanwhile I am not being told when or if I will be able to access my funds and bills are due I'm losing money on fees and hardship because this company refuse to let me access my hard earned money. This is theft and I want them to be held accountable. How can they allow funds to be deposited but when you want to use or withdraw your funds tell me that they are unsure of when or if I can access MY Money they took knowing they were going to not let me access...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: AR

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$1500.00} XXXX XXXX XXXX Balance XXXX XXXX  XXXX Balance : {$0.00}

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 2024-05-18 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: AR

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance {$1500.00} XXXX XXXX XXXX Balance XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief