vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
I was given a COVID relief forbearance to help with my house payment back in XXXX. When I called in XXXX of XXXX to make my payment I was told that I could not make a payment but that I had to pay the entire amount due, around {$10000.00} dollars. I had to file for bankruptcy to stop the sale of my home. During bankruptcy, I was able to fill out an Application for Success and was approved for a temporary loan modification. During that process, my wife, who I have been separated from since XXXX of XXXX, signed a quit claim deed and a marital waiver and filed them with the court. I paid three months of house payments on time as required by the temporary modification. XXXX, XXXX, and XXXX of XXXX. I then paid the XXXX XXXX payment with no problem. When I called to make the XXXX payment I was told there was no payment due until XXXX because the temporary modification was complete and we were moving to the permanent modification. During this time I was hospitalized for XXXX XXXX  with XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX. I was literally fighting for my life and enduring procedure after procedure. I was in the hospital XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX. I was also admitted on XX/XX/XXXX, and XXXX, and most recently, XX/XX/XXXX. I was contacted by a notary who wanted to get my notarized signature for the permanent modification and she asked if my wife would be there. I told her that she wouldn't be there due to the quit claim deed and marital waiver that were signed and submitted. She was completely unaware of everything that had transpired so she said the she would check into it and call me back. I never heard back from her. On XX/XX/XXXX I came home to a notice on my door stating that a 3rd party had bought my home at auction. My home was sold illegally and without my knowledge. They never had a conversation with me to tell me that the permanent modification had not gone through. I thought I was waiting for a notary to call me back. I never dreamed that during that time they would sell my home out from under me while I was sick in the hospital and was still making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
Following up on a previous complaint on XX/XX/XXXX : XXXX. 

There was absolutely NO communication from MOHELA prior to XX/XX/XXXX that I had until that date to request the XXXX refund because I made payments from XX/XX/XXXX through XX/XX/XXXX while working in the public service. 

Quit stealing my hard earned money!! Can we have some middle ground? 

Again I made monthly payments of XXXX from XX/XX/XXXX until XX/XX/XXXX. I should be entitled to roughly less than XXXX but more than XXXX. 

There was too much confusion in between XXXX and XXXX. There was no reason to contact the prior company since MOHELA took over. The first communication I received was by US mail on XX/XX/XXXX explaining that the payments are no longer paused and set to resume in XX/XX/XXXX. 

Call me if unclear.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me writ

e to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard th
at if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : Account Number : Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
. 

Account Name : XXXX XXXX Account Number:XXXX  Amount {$310.00} false fraud amount remove now I want to know how this was verified anyone could have used my name my wallet was sitting in a parking lot Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: NJ

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-22 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: NJ

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: VA

Complaint narrative:
On XX/XX/XXXX I received a letter from I.Q. Data International , Inc, that indicates that I owe to XXXX XXXX XXXXXXXX XXXX ( XXXX  ), the amount of {$60000.00} and interest charge of {$1800.00}. I never have contact, applied, resided or rented from that company. I am owner of my house at XXXX XXXX XXXX XXXX, XXXX, VA XXXX where I live since XX/XX/XXXX ; therefore that debt is not mine. On XX/XX/XXXX my purse with my personal documents, including driver 's license, credit cards, and others were stolen from a vehicle, I contacted the XXXX Police that came to investigate the issue, also reports were made to FTC, credit card companies. Now, this debt shows in XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: NJ

Complaint narrative:
XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX With this account I did not have late payments. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE XXXX XXXX The following personal information is incorrect

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 2023-12-22 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: NJ

Complaint narrative:
XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX With this account I did not have late payments. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE XXXX XXXX The following personal information is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: NY

Complaint narrative:
I reviewed my credit report and noticed accounts that I did NOT authorize in my credit report and its preventing me from receiving new credit.

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 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: CT

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a Chase bank customer with a checking account. I am not enrolled in overdraft assist/protection or debit card protection. On the following dates these recurring charges were allowed to be processed by Chase without my consent, although I did not have the funds in my checking account. 

{$440.00} XXXX XXXX XX/XX/XXXX {$100.00} XXXX  XX/XX/XXXX {$8.00} XXXX  XX/XX/XXXX {$7.00} XXXX XX/XX/XXXX {$27.00} XXXX XX/XX/XXXX {$5.00} XXXX XX/XX/XXXX For each of these transactions I was charged separate fees of {$34.00}. This caused me to be further and almost inescapably in the negative due to my current situation. Had I not been charged these fees I would have comfortably been able to resolve my situation with my paycheck. 

On XX/XX/XXXX I reached out to chase bank and one friendly customer service representative was able to process refunds for XXXX of those fees, totaling {$100.00}, then stated that the other XXXX were denied due to reaching the refund limit. I stated that I did not agree to those charges and that they need to be refunded, and asked to speak to a supervisor who could override the refund limit. She put me on the phone with XXXX the supervisor who was completely helpless. He stated that there is no one in the company who can override this curtesy refund limit. I informed him this should not be a courtesy, I didnt consent to be overdrafted in the first place, and if he wasnt able to help me with the situation then I would prefer to talk to whoever has more authority than him. He stated that there is no one available, and that even if there were, the outcome would not differ. I insisted on waiting to speak to another supervisor and he kept repeating the same thing and stated he would end the call if there was nothing else he could help with. I insisted that my issue was not resolved, and to not hang up as that would be unprofessional, and that I would simply like to speak with someone else. He then proceeded to end the call. 

At this moment I would simply like the remaining {$100.00} to be refunded, something that would not even make a dent in JP Morgans earnings, meanwhile us working class are struggling to pay for basic living expenses. 
I will also be looking into ending my checking account with Chase Bank and finding a financial institution with policies that better serve their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-22 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: VA

Complaint narrative:
Please help!!! Experian continues to violate my rights. They are still reporting the incorrect bankruptcy on my credit report and are lying and saying that they are verifying it. The attached letter from the courts clearly states that they do not communicate with the credit bureaus, This item ; XXXX  XXXX Bankruptcy XXXX XXXX : XXXX must be deleted!

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX this commpany has updated the false information on my account more than 7 times on my credit reporting. I have advised you that this information is false and i do not own this account. and i provided discrepancies in reporting to detail the falsehood of this account. Now the company has been harrassing me by frivilously reporting excessively updating the exact same information multple times, thus causing my credit score to fall tremendously. i am demanding that this account be removed from my report. I do not own this account. I have no knowledge of the account. I have never owned a XXXX card. This account is not mine. By leaving this account on my report you are hindering my chances of getting a loan and you are in turn messing up my credit even more by the constant updating of the exact same information! All that was updated were the dates. The account was not deleted from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX Company : XXXX, Account # XXXX Company : XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX XXXX XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : 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.

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 2023-12-22 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: FL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Company : XXXX, Account # XXXX Company : XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX XXXX XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX, Account # XXXX Company : XXXX XXXX, Account # XXXX Company : XXXX XXXX  XXXX XXXX  XXXX XXXX, Account # XXXX Company : XXXXXXXX XXXX, Account # XXXX Company : 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: NY

Complaint narrative:
I reviewed my credit report and noticed accounts that I did NOT authorize in my credit report and its preventing me from receiving new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I applied for Chase XXXX XXXX credit card according to the avertisment of getting XXXX points after spending {$3000.00} during the first 6 months / Chase claimed that the offer was for XXXX during 3 months. 
I did spend a total of over {$4000.00} during the 6 months to meet the requirement of the points offer. 
They denied my points

Company response to consumer: Closed with explanation