vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 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:
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. XXXX XXXX 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 an 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 2024-02-19 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: GA

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.

XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no co
nsumer 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 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 2024-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I submitted a XXXX XXXX request to a company, but they still failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This erroneous late payment on my account is causing me considerable distress, especially considering my history of punctual payments. I implore you to rectify this error promptly by removing it from my account, as it does not accurately reflect my payment habits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
On previous occasions, including on XX/XX/2024 at around XXXX XXXX time. I spoke with a representative of Lakeview loan servicing. The representative seemed unaware of the federal regulation requiring mortgage XXXX balances to be applied to principal after a payment is completed. I requested an escalation to supervisor. The supervisor seemed to be unaware of the federal regulation requiring the application of XXXX balances to principal. Furthermore, the supervisor seemed confused as to the topic of conversation or unaware of the context of the previous conversation on multiple occasions, indicating a possible attempt at using confusion to discourage consumers from requesting the services entitled to them under the law or an unqualified individual answering the companies phones. I requested the application of my existing XXXX balance to my principal. I also requested a review of my account to ensure that the XXXX balance was being applied XXXX automatically to my principal, the supervisor confirmed over the phone that the XXXX balance was not actively being applied automatically to my principal balance- as required by federal regulation. The supervisor informed me that I needed to make an explicit request to apply the extra XXXX funds to my principal, which is not in accordance with federal regulation. The company has failed to apply the payments accurately on multiple occasions. The typical payment is of XXXX biweekly. With a XXXX payment of around XXXX. The remainder should automatically be applied to principal. Previously I called and had the XXXX balance of about XXXX applied to my principal, indicating that they had failed to perform their duties for at least XXXX months. On this occasion, I was informed that I had a XXXX balance of about XXXX, indicating that they failed to perform their duties for another XXXX months. The last time that the issue occurred the company assured me that this would not occur again. The issue has occurred again.

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 2024-02-20 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: CA

Complaint narrative:
nothing happened. i received no answer or acknowledgement of my dispute requests. i sent disputes on XX/XX/XXXX XX/XX/XXXX and 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 2024-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: GA

Complaint narrative:
I was on Forbearance plan during covid 19, after the covid, Loancare Mortgage Company sent me modificationon docs and my payment was {$1600.00}, I signed and notarized it, I have not heard for about 1 month, when I called them they said that there was a problem on the modification and sent me a new one, but my payment was increased to {$1700.00}, I signed and again notarized it, I again called 1 month later to find out when I was going to start paying, was informed that they again have to send me another modification because my deceased wife 's name was on it. They ups me a new modification but this time my payment increased to {$1700.00}, I demanded an explanation for increase and their answer was interest the rate was increased, however, I have had fixed interest rate, I kept it quite and managed to make 2 payments on {$1700.00}, when I called 3rd month to make a payment, they claimed that there was an error on the modification, when I asked what the error was, they failed to address the issue. When I received 4th modification I was shocked with my rate increased to {$2200.00}, of course I denied to sign that modification and asked them to put me on my regular payment, they refused, and finally they filed a forecloser on my on XX/XX/XXXX, I hired a attorney to stop the foreclosure. He managed to stop it, but during the time I wanted to pay Loancare would not take any payments from me. They finally agreed to accept {$1700.00} payment but than they wanted me to pay them {$69000.00} for no idea,. 
Finally my attorney get me an agreement that I had to pay {$41000.00} and {$1700.00} per month, my attorney did not know why I had to pay {$41000.00}. 
I wanted to refinance my mortgage but found out that although Loancare would not take payments from me as yet they reported to my 3 credit bureaus for 120 days or more late payment, I now can not even refinance my mortgage. My attorney is not a real estate attorney and helped me to certain degree. I, now need help removing derogatory from my credit report. I have a court date coming up on XX/XX/XXXXXXXX XXXX XXXX my attorney said they will foreclose my property, I do not want to loose my house, m XXXX XXXX XXXX retired and working part time, no problem paying my mortgage at all. 
Thank 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 2024-02-19 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX we filed a complaint and asked the company to provide the following : - Copies of any contracts, agreements, or instruments related to chose in action. 
- Detailed records of any transactions, exchanges, or transfers involving the chosen action, including dates, parties involved, and transaction specifics. 
- Information on any legal actions, claims, or disputes associated with the choice in activities, including court filing, judgments, and settlements. 

The company responded on XXXX and claimed they will review all relevant information, including the information we provided and will resolve the dispute and will timely respond to you with the results of their investigation. 

However, we did not receive these details. 

This is a cause of concern as we were informed that the CFPB recently filed a lawsuit against the company for illegal debt collection practices and consumer reporting violations. 

For more context, we received Consent Judgement Agreement and Praecipe for Judgement by Consent documents in an envelope with the date stamped for XXXX XXXX XXXX  However, the notice inside the envelope was dated XXXX XXXX XXXX. It said that it should be executed within 15 days from the date of the letter, which would be XXXX XXXX XXXX  2 days before the letter was actually sent. We checked the court case that was on the letter to see that the court date was set for XX/XX/XXXX, only three days after the letter was sent. 

We believe that this situation falls into the following illegal debt collection practices that were addressed in the previous lawsuit : - Threatening consumers with potential legal actions and initiating debt collection lawsuits without offering or possessing required documentation - Misrepresenting that it would provide certain documents within thirty days- Suing to collect on time-barred debt - Conducting unreasonable investigations- Failing to timely resolve disputes- Failing to inform consumers about investigation outcomes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: FL

Complaint narrative:
I do not recognize these credit inquiries and I have asked them to be removed and the credit bureau have not. I will be providing an identity theft report and Im requesting them to be removed because there are inaccurate and not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not recognize these credit inquiries and I have asked them to be removed and the credit bureau have not. I will be providing an identity theft report and Im requesting them to be removed because there are inaccurate and not mines.

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 2024-02-20 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: MI

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 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 2024-02-19 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: KS

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Requested Address Correction and Fraud Alert removed. Sent Address Affidavit 2 times

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Requested Address Correction and XXXX XXXX removed. Sent Address Affidavit 2 times

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 2024-02-20 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: PA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX 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 2024-02-20 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: NY

Complaint narrative:
I am writing to formally dispute the following account on my credit report, which I believe to be inaccurate and unauthorized.

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 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Get those unauthorized accounts off my credit report now! Other bureaus fixed it, so can you. Stop messing with my credit delete those accounts immediately, or face legal action. I won't tolerate your delay in fixing this act now! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please 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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There is a account on my credit report that is not mine and belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I recieved a XXXX $ American Express gift card for XXXX in XXXX, but I didn't start using it until this month ( XX/XX/XXXX ). I was able to use about half the balance of the card just once at a restaurant, and the card repeatedly gets declined at every establishment online or in person since then. Contacting customer support about this issue was not helpful, as they just advised that I should be able to use the card anywhere ( but I am not ). The remaining balance on the card is {$23.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 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: IL

Complaint narrative:
FCRA 605B says take off wrong accounts from reports. Check the documents, please. My report has wrong accounts, making me upset and sick.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello XXXX XXXX XXXX I called into chase auto finance on the end of XXXX and asked to get a Deferral or extension on my current payment. Because I havent been late with chase in last XXXX years or have never asked for any type of extension I felt that it would be no problem. The lady I spoke with said that she would need to get approval from a higher up if I needed more than XXXX weeks but if it was XXXX weeks or less she could approve it herself. I didnt need more than XXXX weeks so I accepted and it was granted. I ended up paying it before the XXXX weeks that were granted. I noticed it still hit my credit as late and when I called in to asked the day the lady didnt give me the extension that doesnt hit my credit she only gave me a payment arrangement that has no benefits. If I wouldve known it had no benefits I wouldve paid it without calling. I felt this was very wrong with me being a long-term customer with them and having no lates in the last XXXX years and also being eligible for whatever extension that I was asking to be granted. 

I feel like I was very mishandled and mislead and that they shouldve straighten it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: MN

Complaint narrative:
Accounts that were part of my XXXX XXXX bankruptcy were reported by Experian as delinquent when they weren't delinquent.

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