vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT This is a violation of the FCRA & is also in violation of requisite METRO 2 & 609 LETTER Compliant reporting standards. By the provisions of the Fair Credit Reporting Act & per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I have the right to a fair & accurate credit report, & you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated a permanently removed from my report. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

US DEPT OF EDXXXX XXXX XXXX HAS VIOLATED MY RIGHT US DEPT OF ED/XXXX/XXXX  XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT This is a violation of the FCRA & is also in violation of requisite METRO 2 & 609 LETTER Compliant reporting standards. By the provisions of the Fair Credit Reporting Act & per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I have the right to a fair & accurate credit report, & you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated a permanently removed from my report. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
This is in response to XXXX unauthorized charges on a target red card. that were made between XX/XX/23 and XX/XX/23. These involved both online transactions and purchases at local businesses where the credit care information was manually entered. The sum total of unauthorized charges and purchases at local businesses where the credit care information was manually entered. The sum total of unauthorized charges amounts to {$1300.00}. Initially, the disputed charges were denied. I sent in an appeal letter in XXXX and I am still waiting to hear. The police has pressed charges on the person who has stolen my money. I keep calling the target redcard company but they keep telling me that I just need to pay the minimum balance but do not tell me anything. It is now past the promised XXXX days and this dispute has not been resolved. I am not able to afford to pay back the money that was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Chime Financial Inc
State: MD

Complaint narrative:
I received an email from my bank stating that they have my tax refund but cant deposit it until I provide documents proving that the refund belongs to me. I provided chime with the documents on XX/XX/XXXX within XXXX minutes of their request and I waited on them to process it. They said please allow XXXX hours for a response so I waited XXXX hours and called to see if I could get it done over the phone and they basically stated that they didnt have a deposit. I then called the comptroller on monday morning, and they stated that my refund was already deposited on the XXXX and that my bank has the funds. I called my bank and I told them that information and asked why is everything on hold and they couldnt provide me the information or tell me why is it that I verified but havent received anything still.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: LA

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.

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 2024-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I am writing to address the matter of a debt collection attempt made by company, CREDENCE RESOURCE MANAGEMENT, regarding an alleged debt. I am disputing the validity of this debt and informing that attempts to collect on it, contact me, or report it to my credit report are in violation of state laws. 

First and foremost, I want to emphasize that I have not authorized this company to obtain my personal information or to contact me regarding any debt. Therefore, any communication or collection efforts made by the company are unwarranted and unlawful.

Furthermore, I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant state laws. According to these regulations, debt collectors are required to provide validation of the debt upon request, cease communication upon being notified of a dispute, and refrain from reporting inaccurate information to credit reporting agencies.

I demand the immediately cease all collection attempts, refrain from contacting me further regarding this matter, and remove any negative remarks related to this disputed debt from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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: NY

Complaint narrative:
I have found inaccurate information on my credit report. I disputed the items and it was not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
I was reported greater than 180 days delinquent on my mortgage with US BANK while I was on an approved forbearance plan. During the forbearance period, I submitted an accepted loss mitigation application that required several additional information requests before a loss mitigation decision could be made. I was informed, after continuous questions to multiple US Bank representatives, that during this period I would not have credit reported. The application was considered complete on XXXX, additional information was requested this date, then again on XXXX, then again on XXXX. I repeatedly complained about how the process was taking and also stated that the additional information request were superficial and not pertinent to making a sound financial decision. I stated for the record I believed this to be a tactic to put me in the worse financial situation with a VA loan. I was assured that my credit will be protected while going through the process and that the goal was to keep me in my home. In XXXX of this XXXX, a decision was made and trial repayment was scheduled. In the letter for trial repayment I was informed, in writing, by US Bank that no credit reporting will take place. I checked my credit to be sure. US bank lied. The same date US bank sent the letter, I was reported delinquent greater than 180 days to the credit reporting agencies. 
I called multiple times and initiated a credit reporting complaint to customer service department only to be told that the reporting was legit and in proper guidelines. I will seek legal counsel if this situation is not resolved. My personal credit is vitally important to my financial health and capability to earn more income. I feel US bank intentionally did this to make me a credit risk that impairs my ability to seek other mortgage options. Please help me

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 2024-02-26 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: GA

Complaint narrative:
In my initial complaint with number assigned : XXXX, I requested removal of all derogatory remarks on the account, including late payments for the months XX/XX/XXXX and XX/XX/XXXX and {$1000.00} per FCRA violation. Equifax has responded with an update and annotated notes according to their reinvestigation that does not resolve or respond to any of my complaints. They have updated my report with This creditor has verified to our company that the prior paying history is being reported correctly. This creditor has verified to our company that the current status is being reported correctly. The following fields have been modified : *Additional Information *Activity Designator. I have attached the report to this complaint for the CFPBs review as this does not respond to the complaints made. The creditor verifying the accuracy does not respond to violations 15 USC 1681a ( 2 ) ( A ) ( i ).

The FCRA OR 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX fails to exercise their responsibilities with fairness, impartiality and a respect for my privacy by not responding to the initial complaint and simply updating the account with no due diligence.

15 USC 1681a ( 2 ) ( A ) ( i ) states exclusions from consumer reporting which includes report containing information solely as to transactions or experiences between the consumer and the person making the report. Reporting transaction history is illegal and 15 USC 1681 ( 5 ) states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years should be excluded from consumer reports. The account is in an adverse condition due to the reported late payments that is factored into a FICO score.

Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I demand the late payments be removed, and to be compensated {$1000.00} per FCRA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 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:
I urge you strongly to address and rectify the unauthorized accounts that have appeared on my credit report. These entries are negatively impacting my creditworthiness despite my lack of association with them. Please ensure their swift removal and take preventive measures to avoid similar errors in the future.

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 2024-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Nationstar/ Mr. Cooper XXXX sending me frivolous information in the mail. XX/XX/XXXX while reviewing my credit report because of ssn fraud, I found out that Natonstar posted Foreclosure proceedings started for the amount of {$120000.00} past due as of XX/XX/XXXX on XX/XX/XXXX to my XXXX credit report. 

Nationstar/ Mr. Cooper never sent me opt-out forms or notified me that I have the right to Opt-out of them reporting any information to all the credit reporting agencies in writing. 

When I sent Nationstar/Mr. Cooper a debt validation letter along with a request for the following copies of the documents : The Property Deed Affidavit of Title Settlement Statement Closing Disclosure 1099-S Tax Form Contract signed by my real estate agent, Title company, XXXX Bank HUD-1 Settlement Statement Truth in Lending ( TILA ) Statement Mortgage, Security or Deed of Trust Certificate of Occupancy Escrow Fees, along with a break down of interest fees, monthly payments Application fees and any transfer fees I did receive 6 pages that included a copy of my Note and ( TILA )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: GA

Complaint narrative:
EQUIFAX HAS VIOLATED SEVERAL OF CONSUMERS FEDERALLY PROTECTED RIGHTS. INCLUDING THE REPORTING OF INQUIRIES, ACCOUNTS AND COLLECTIONS WITHOUT CONSENT, WRITTEN PERMISSION AND PERMISSABLE PURPOSE. EQUIFAX HAS ALSO VIOLATED CONSUMER 'S RIGHT TO PLACE SECURITY, FRAUD ALERT AND XXXX XXXX ALERT THORUGH MYEQUIFAX.COM. VERIFICATION OF IDENTITY HAS BEEN SENT SEVERAL TIMES AND EQUIFAX IS NOT ACKNOWLEDGING CONSUMERS REQUEST TO DISPUTE INACCURATE AND IMPERMISSABLE INFORMATION. TOTAL LIST OF THE FOLLOWING : XXXX XXXX  ACCOUNT NUMBER XXXX CLOSED ACCOUNT : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, ALSO THE AGE OF THE SATISFACTORY ACCOUNTS ARE INCORRECT THE ACCOUNTS ARE SAID TO BE OPENED IN XXXX AND XXXX BUT ARE REPORTING AS ONLY A FEW MONTHS OLD, THIS DECEPTIVE AND INACCURATE. 
REGULAR INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COMPLETE LIST OF XXXX SOFT INQUIRIES STARTING XX/XX/XXXX TO XX/XX/XXXX Consumer states they have not given any written, verbal, or non-verbal consent to the following reporting. Consumer is requesting the file be updated immediately. Consumer is requesting compensation for violations. The invoice has been enclosed with this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
. I am writing to express my concerns regarding the current state of my mortgage account with PHH Mortgage Services, bearing the account number XXXX. I kindly request a thorough review of the account in question. 
The mortgage account in question was initiated in XX/XX/XXXX by XXXX XXXX XXXX, with a XXXX term loan agreement. The original principal balance of {$160000.00} was established at that time. Since its inception, the account has undergone several transitions, including transfers to XXXX XXXX XXXX, XXXX, and Ocwen, before ultimately being serviced by PHH Mortgage Services. 
One significant event in the history of this account was a loan modification in XXXX, necessitated by financial difficulties that led to a shortfall in payments during my tenure with Ocwen. Despite this modification, which aimed to facilitate smoother repayment terms, I have encountered persistent challenges in understanding the dynamics of my mortgage account. 
As of today, after diligently fulfilling payments for 20 years, the outstanding balance on the account stands at {$140000.00}. Given the passage of time and my consistent efforts to meet my financial obligations, I find it disconcerting that the balance remains considerably high, especially considering the initial principal amount and the duration of payments made thus far. 
Despite my attempts to seek clarification from the lender, I have been unable to obtain a satisfactory explanation for the discrepancies in the account. As a senior citizen nearing retirement, this uncertainty regarding the mortgage 's status and the significant financial investment it represents is deeply concerning. 
Therefore, I humbly request a comprehensive review of my mortgage account by your institution. I seek clarity regarding any factors contributing to the deviation from the initially agreed-upon terms, as well as any potential avenues for resolution or adjustment that may be available. 
Furthermore, I would appreciate timely communication regarding the progress of this review and any subsequent actions that may be taken to address the concerns raised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I submitted an income drive repayment ( IDR ) plan renewal application on XX/XX/XXXX. It is listed as received and still being processed on the servicer ( Mohela ) website, with my IDR plan set to expire on XX/XX/XXXX. My next payment in XXXX is listed as not being IDR eligible with an increase in payment XXXX my current payments. I am making payments under XXXX and for public loan service forgiveness ; it is imperative that all my payments are made. I have not received any communication as to why my XXXX application is delayed, have not been put on administrative forbearance, and have tried without success to reach a representative by calling the servicer. I request at a minimum to have communication and/or be put on administrative forbearance while the servicer finishes processing my application and tells me what ( if any ) other information the need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX  ) & ( XXXX XXXX XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 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 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
There was a mistaken payment to me using XXXX and XXXX, and it was refunded at the time- no problem here. I received my 1099-K from Venmo listing the transaction as something I needed to pay taxes on - no problem here. I then searched for the monthly statement that would show that the transaction was refunded- here is the problem. However, I found that the monthly statement could not be used in this manner to prove that the transaction was refunded- the ID number and the timestamp for the transaction was not the same on the tax document and the monthly statement ( in fact, the monthly statement has it occurring in a completely different month due to the timestamp inconsistency ). All I want to do is use Venmo 's documentation to show that the transaction listed as taxable ( Date : XXXX XXXX ; Transaction ID : XXXX ) was refunded. However, the monthly statement documentation ( which has the refund proof ) lists the same payment with Datetime : XXXX and ID : XXXX. This is problematic, because I can no longer use Venmo 's documents to show that the taxable transaction was refunded Without matching ID numbers and timestamps, these transactions look like completely different items ( i.e. it falsely looks like the refund was for a different payment ).

Company response to consumer: Closed with explanation