vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-27 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IN XXXX XXXX XX/XX/year> Dear TRANSUNION, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount owed no longer outstanding for the following items : Party owed : XXXX XXXX Amount : {$490.00} XXXX Party owed : XXXX XXXX Amount : {$410.00} Account : XXXX Party owed : XXXX XXXX XXXX Amount : {$2100.00} Account : XXXX XXXX owed : XXXX XXXX XXXX : {$830.00} Account : XXXX XXXX owed : XXXX XXXX  Amount XXXX {$720.00} Account : XXXX XXXX owed : XXXX XXXX  Amount : {$720.00} Account XXXX XXXX I am Disputing these claim due to : I HAVE NO KNOWLEDGE OF THESE ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted off my credit report. In accordance with the fair credit Reporting Act. The list of accounts have violated my federally protected consumer rights to privacy and confidentially under 15 USC1681B. 

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: UT

Complaint narrative:
RE : : CFPB Case XXXX XXXXXXXX I spoke with the United States Bankruptcy Court District of Utah Court XXXX XXXX XXXX United States CourtHouse XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX court clerk XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> and verified this is incorrect delete this ASAP! 

I have been telling you this since XXXX. I do not recognize the following inaccurate info. 
Bankruptcy Records XXXX XXXX The bankruptcy status is inaccurate. 
Bankruptcy Filing Number- This is incorrect delete this ASAP Bankruptcy Court Details- This is incorrect delete this ASAP Filing Details- This is incorrect delete this ASAP Trustee Name- This is incorrect delete this ASAP Assets Available - This is incorrect delete this ASAP To Whom It May Concern : Thank you for helping me get some of the accounts that incorrectly appeared on my credit report deleted. However, I still dispute the remaining items. These are still being reported inaccurately and are extremely damaging to my credit. 

As stated in my last dispute, the filing number, court details, fililing details, trustee name & asset are INNACCURATE. 

I let the company know and they only verified my name, address and social security number matched the records. They still did not VERIFY OR DELETE THIS INNACCURATE INFO. 
I am still having a problem with a company 's investigation into an existing problem. 
I was not notified of investigation status or results account status incorrect. 
I have tried to fix this with the company. 
I requested information from the company I did not recieve the information company failed to provide. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: FL

Complaint narrative:
AN UNAUTHORIZED ACCOUNT IS REPORTING ON MY TRANSUNION CREDIT REPORT. I DO NOT HAVE KNOWLEDGE OF A DEBT OF {$2600.00} AND, THE COLLECTION AGENCY HAS NO LEGAL RIGHT TO REPORT ON MY CREDIT REPORT AS I HAVE NO PAYMENT HISTORY OR CONTRACT OF ANY KIND ALLOWING THEM TO DO SO. SEE ATTACHMENT

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 2024-07-27 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: CA

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 explanation
Consumer complaint received 2024-07-27 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: CA

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 XXXX 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 explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Dear Sir/Madam ; XXXX XXXX XXXX ; MIDLAND CREDIT XXXX I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My mother attempted to send me a large sum of money via wire transfer via her bank ( XXXXXXXX XXXX XXXXXXXX XXXX ) to my Chase Bank checking account on the morning of XX/XX/year>. When she sent me a copy of the receipt, I noticed the bank employee at her bank typed my Chase checking account number by one digit. I immediately told Chase and my mother 's bank via phone call. The banks, but especially Chase, have seemed largely unconcerned with the high level of stress this has caused me ( the customer ), my elderly mother, and my family, who needs these funds. I have called Chase repeatedly and never get even an idea of how fast this can be undone. Even the person with the live Chase account who received these funds has been unable to get this reversed quickly, as he noticed the big mistake and has vowed not to spend it. I am beyond frustrated with Chase because the initial recall went out the same day of the transfer ( XX/XX/XXXX ) and her bank even had to do a second recall this week ( perhaps on XX/XX/XXXX or so ) with no response. My mother still does not have the funds back in her account, which is what we want. One man at Chase assured me it would be sent back in 3-5 days but others at Chase say they don't know and that no one should have said that. I don't know who to believe at Chase. Overall, very cruel and insensitive to our family 's situation. We may have to take out a loan to cover her college fees because Chase doesn't give us any response as to the status, always citing confidentiality. I keep saying I don't need anyone 's confidential info, I just want to know how fast a refund based on a recall can happen and I want to make sure they are working on it. The man who got the funds assured me he also called Chase. Chase has been on notice since XX/XX/XXXX of the mistake and recall by her bank. I have banked with Chase for XXXX, and I got my kids to bank there but after this experience, I may move over to a smaller, more caring institution. It's been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has refused to acknowledge my dispute letter dated XX/XX/2024, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies such as Experian are legally obligated to conduct a reasonable investigation upon receiving a dispute from a consumer. Failure to acknowledge receipt of my dispute letter not only disregards my rights as a consumer but also undermines the FCRA 's provisions intended to ensure accurate and fair credit reporting. This disregard for protocol is concerning and necessitates prompt resolution to rectify the inaccuracies on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MO

Complaint narrative:
Since XXXX XXXX XXXX XXXX then, XXXX XXXX XXXX have ignored All written, telephone, communication through attorney. The loan has been paid in full and since that time we have tried voluminous times to get XXXX XXXX to communicate. The only time that they have communicated is responding to cfpb complaints. 

XXXX XXXX has responded to CFPB complaints but it appears that they are intentionally sending wrong information and information that they can hide the information that we are actually looking for. 

XXXX XXXX each year Provides an annual escrow account disclosure statement and account history year by year. XX/XX/XXXX to XX/XX/XXXX. We now need in order to confirm an approximate XXXX to XXXX dollar escrow amount that is outstanding and due to us. We need a disclosure statement for escrow account from XX/XX/XXXX through XXXX of which they have failed to provide at that time. A copy of this statement has been attached so there is no misunderstanding as to what we demand they send.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I asked for a investigation on these inquires because I did not inquire these. I asked for a sign contract so I can show on my license proving it don't match. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: PA

Complaint narrative:
I asked for a investigation on these inquires because I did not inquire these. I asked for a sign contract so I can show on my license proving it don't match. 

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 explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
Dear Sir/Madam, FAIR COLLECTIONS & OUTSOURCING ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

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 2024-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The servicer was changed on my HELOC and the new servicer, Shellpoint, has my payment amount as XXXX and it should be XXXX. It is a HELOC taken out in XXXX and is in a draw period until XXXX. The amount owed has not changed. The rate has not adjusted. I have made several attempts to get an answer and have been told it has been " escalated '' twice after spending a lot of time on hold. I was told on XX/XX/XXXX that I would have an answer by XX/XX/XXXX. I was told around XX/XX/XXXX that i would have an answer by XX/XX/XXXX The next payment is due on XX/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 explanation
Consumer complaint received 2024-07-27 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Legal Basis for Dispute : " Re-aging '' a debt involves illegally resetting the date of first delinquency to make it appear as a new debt, thus extending its time on a credit report. This is prohibited under the FCRA, which mandates that negative information can only be reported for a certain period ( typically XXXX years from the date of first delinquency ). 

Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights.

Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. 

Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than XXXX years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately. 

Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : XXXX XXXX XXXX XXXX is prohibited from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc.
State: LA

Complaint narrative:
XXXX XXXXXXXX XXXX / self lender, has reported on my account that I had a late payment on a closed out account it was closed out on XX/XX/XXXX with a XXXX balance and it was reported late on the XX/XX/XXXX And XX/XX/XXXX showing a XXXX balance but preventing me from getting a mortgage, according to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. witch was not done by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Legal Basis for Dispute : " Re-aging '' a debt involves illegally resetting the date of first delinquency to make it appear as a new debt, thus extending its time on a credit report. This is prohibited under the FCRA, which mandates that negative information can only be reported for a certain period ( typically XXXX years from the date of first delinquency ). 

Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights.

Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. 

Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than XXXX years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately. 

Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : XXXX XXXX XXXX XXXX is prohibited from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation