vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NM

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.

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 2024-09-23 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: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit score has dropped significantly due to multiple fraudulent accounts appearing on my report. These accounts were opened without my authorization, and they are severely impacting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I am a XXXX veteran with 100 % property tax exemption status. I received this VA XXXX Letter in XXXX, I provided these documents to my mortgage company Carrington Mortgage along with the statement from the XXXX XXXX XXXX XXXX XXXX  stating I no longer am required to pay property taxes. At the time I was XXXX months behind in my current monthly mortgage payments. Due to this change, my monthly payments dropped so I asked the mortgage company to adjust the amount owed and advise of the new amount that would be due. My VA Award Letter states that my status is effective XX/XX/XXXX. However, they are trying to make me keep paying my regular monthly mortgage amount ( {$1500.00} ) and making the revised amount ( {$910.00} ) effective XX/XX/XXXX and I told them thats not right nor correct. I sent in a payment of {$2200.00} in XXXX, they are still trying to say I owe {$4700.00}. They will not adjust the payments for XXXX and XXXX, which is not right. I have asked for an updated escrow analysis, updated monthly statement to no avail. I have XXXX and have been trying to resolve this with them for the last XXXX months. I have sent so many emails and called and spoken with them on many occasions, this is unfair to the consumer They would not issue me a repayment plan, keep trying to get me to apply for mortgage assistance and raise my interest rate and monthly payment. I have a XXXX, why would I agree to something XXXX percent and over. My payments are now very comfortable so why would I agree to put it back where it was before or potentially more. These people are taking advantage of consumers. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a contract for services I purchased in XXXX of XXXX. Because the service wasn't needed until the following year, the company kept a credit on file for me to use in XXXX. Service remained unused and a credit for the fee was suppose to be refunded. Company stated they send refund via check twice, payment never received nor proof of payment. 
When bringing these facts to my bank, they said they can not help me because of the original date of the charge being to long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: PR

Complaint narrative:
On XX/XX/year>, I received an email from a debt collection agency ( XXXX XXXX XXXX, also known as National Recovery Agency ) regarding an alleged utility debt for {$81.00}, claimed to be owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this debt and believe it is invalid. I contacted the agency on the same day by replying to the e-mail and requested formal validation of the debt, as well as proof that they are licensed to operate as a debt collection agency in XXXX XXXX, where I reside. 

The representative from the agency, XXXX XXXX, acknowledged receipt of my request several times but refused to provide licensing documentation and stated that they are only required to verify the debt. He insisted that they needed my physical mailing address to send validation, even though all prior communication had been conducted via email. They did not provide validation of the debt nor licensing information, and I can not find a company by this name licensed to perform this activity in XXXX XXXX. 

On XX/XX/year>, I received a voicemail from the collection agency requesting a callback. I returned the call and spoke with a representative who said she couldn't answer question, and then transferred me to XXXX, a " XXXX XXXX XXXX XXXX', at approximately XXXX pm. During the call, I informed her of my previous communication with XXXX XXXX and again requested proof of the agency 's licensing in XXXX XXXX and verification of the debt. XXXX refused multiple times to provide the information, became belligerent, and then hung up on me after I notified her that the actions were inconsistent with consumer protection requirements and that I would file a complaint if information was not provided. 

I have checked publicly available records and can not find evidence that XXXX XXXX XXXX is licensed to collect debts in [ state of residence ], as required by local law. Despite my requests for debt validation and proof of licensing, the agency has continued to contact me without providing the required documentation.

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 2024-09-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX and I am not filing this claim in the third person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
( XXXX XXXX # XXXX {$420.00} ) ( XXXX XXXX  # XXXX {$1900.00} ) INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.

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 2024-09-23 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KS

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.

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-23 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:
Under 15 U.S. Code 1692g ( Validation of debts ) and 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), all information reported on my credit report must be accurate, complete, and verifiable. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( Treatment of inaccurate or unverifiable information ), any inaccurate or unverifiable information must be corrected or deleted from my credit file, and 15 U.S. Code 1681e - Compliance procedures. 
The specific inaccuracies I have identified include : 1. Account Number Discrepancy : The account number appears as XXXX on XXXX XXXX while it appears differently on other credit reports. 
2. Account Status : The account status is inconsistent ; on one report, it says " Paid, '' while on another, it says " Closed. '' 3. Date Opened : The " Date Opened '' reported is inconsistent with other information. 
4. Payment History : The payment history reported does not match the actual account history.

Given these inaccuracies, I am requesting a thorough investigation into this matter and demand that all erroneous information be corrected or removed. I expect written confirmation of the resolution within 30-45 days of receiving this letter. 
Please be aware that if my request is not addressed within the stipulated time frame, I am prepared to take legal action to seek damages. As per the FCRA, I am entitled to claim {$1000.00} in damages for each inaccuracy on my credit report. 

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 2024-09-23 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:
Under 15 U.S. Code 1692g ( Validation of debts ) and 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), all information reported on my credit report must be accurate, complete, and verifiable. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( Treatment of inaccurate or unverifiable information ), any inaccurate or unverifiable information must be corrected or deleted from my credit file, and 15 U.S. Code 1681e - Compliance procedures. 
The specific inaccuracies I have identified include : 1. Account Number Discrepancy : The account number appears as XXXX on XXXX , while it appears differently on other credit reports. 
2. Account Status : The account status is inconsistent ; on one report, it says " Paid, '' while on another, it says " Closed. '' 3. Date Opened : The " Date Opened '' reported is inconsistent with other information. 
4. Payment History : The payment history reported does not match the actual account history. 
Given these inaccuracies, I am requesting a thorough investigation into this matter and demand that all erroneous information be corrected or removed. I expect written confirmation of the resolution within 30-45 days of receiving this letter. 
Please be aware that if my request is not addressed within the stipulated time frame, I am prepared to take legal action to seek damages. As per the FCRA, I am entitled to claim {$1000.00} in damages for each inaccuracy on my credit report. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have a credit card with Huntington Bank. On XX/XX/XXXX the online banking portal showed a payment due of XXXX for XXXX. I paid the payment. It posted to the account on XX/XX/XXXX and debited my bank account XX/XX/XXXX. A few weeks later I received a notice saying I didn't pay my bill. I have spoken with approximately XXXX different representatives all who have provided me with different answers. XXXX said mistake disregard letter, XXXX said oh it was a glitch, XXXX told me I need to make a payment once every XXXX  days or it won't credit properly. XXXX told me they would submit a research request. The last contact I spoke with a supervisor who informed me there were no record of previous calls and that she would submit a request to the underwriting to have the payment credited for XXXX. I spoke to her On XXXX XXXXXX/XX/XXXX to which she assured me she would follow up with me on XXXX It is now XX/XX/XXXX and no response. I contacted again and was told no one could help me and that the XXXX would reach out to me. XXXX credited the payment to a previous billing cycle even though online showed a new billing cycle and payment and is now showing my bill as late. I'm being penalized for making my payments too early. I need assistance with having my XXXX payment credited for XXXX as it should be.

Company response to consumer: Closed with monetary relief