vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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: TX

Complaint narrative:
Based on a review of my credit report, Ive sent the following letter to have the report corrected and all inaccuracies removed, Under FCRA 15 USC 1681 and privacy act of XXXX  for the purpose of maintaining the consumer report in premium standard. The following that have been highlighted should be removed as they are considered certificates of indebtedness which is considered income per 26, CFR 1.61 - 12 of the internal revenue, sub, chapter A and 26 CFR 1.108-2 The creditor debtors partnership treatment of value for market value of indebtedness, as equal to the liquidation for value of the debt for equity interest for the purpose of determining the tax consequences of the debt for equal exchange. All soft inquiries are unrecognizable and are to be removed per 15 USC 1681 permissible purposes, and the privacy act of 1974. These soft inquiries were not notified of to be placed on my consumer report, or verbally consented to, and should not have been reported without written permission. The following have been highlighted for removal from the consumer credit report names and addresses for removal as they are incorrect, spelling and non-malleable addresses, all phone numbers highlighted are noncallable and I can not be reached or notified of any changes on my credit report all nonaffiliated, third-party collectors with account numbers and transaction history are to be removed as they are charge off from the original creditor and are considered zero certificate of debt which is income per 26 US 61 where gross income is defined and considered income can not be reported at is a violation of financial transaction to be considered non-public personal information and to be removed immediately. 12CFR 332.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 332.4 ; as I was not notified prior to making a record of any accounts or transactional history per the violation, it is to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Davis & Jones, LLC
State: NY

Complaint narrative:
I was contacted by someone named XXXX XXXX from a company called Davis and Jones on XX/XX/XXXX regarding a debt for XXXX XXXX XXXX XXXX XXXX. Stating that their client " XXXX XXXX '' had forwarded a file concerning an absent balance that was due to them. They asked that I return their call to take a statement at XXXX XXXX XXXX XXXX XXXX 

I am not affiliated with XXXX XXXX XXXX XXXX and have not been since XXXX of XXXX Since then I have been contacted by text message in a group chat with phone numbers ( that include my former business partner, old phone numbers that I had possessed over 15 years ago as well as my sister in law ( whom has never had anything to do with my former business ). 

One text message was on XX/XX/XXXX and another was on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We submitted for a modification and we were denied. 
We appealed the decision according to their guidelines. We submitted the appeal on XX/XX/XXXX Via Email. It was supposed to be in by XX/XX/XXXX according to the appeal document. 

We called in on XX/XX/2024 at @ XXXX XXXX Pacific and spoke to the representative " XXXX out of XXXX ''. 
She informed the appeal was in on the XXXX and uploaded on the XXXX. She said it is under Review to call back after the XXXX. 

We called back on XX/XX/XXXX at XXXX Pacific we spoke to " XXXX '' she said the system is down to call back ''. 

We called back on XX/XX/2024 @ XXXX pacific spoke to " XXXX '' again. She said the appeal was never reviewed. I had her transfer me to super visor " XXXX '' he said " appeal not reviewed because it wasn't in writing ''. ( that's not true the attachment to the email was a letter written in plain English ). 

They stated they were reviewing until it was beyond the date to respond. Then they said it was never reviewed. We are now 7 days away from a XXXX sale and they have been " dual Tracking '' the entire application process. They only informed us about the refusal to review once it was very close to XXXX  date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: MS

Complaint narrative:
Medical debt account less then XXXX XXXX XXXX being reported on my credit as collections : XXXX  XXXX XXXX {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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:
These accounts are being reported negatively and I do not recognize them, I need them to be removed from my report 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 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 2024-01-30 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: MD

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 2024-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/ I sent a XXXX payment from my bank, Ally Financial, to XXXX XXXX. On XXXX I received an email from Ally saying they XXXX payment failed. The funds have not been returned to me since. I contacted Ally on XX/XX/ asking when the funds will be returned. I have been contacting them every couple days since that time to get an update.

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 2024-01-30 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: SC

Complaint narrative:
I have fraud protection with Experian. Received an alert about a suspicious account and was directed to call XXXX about the account wrongfully being in my name. Experian did all what they could do on their end and investigated. XXXX came back and stated to the account was legitimate. I then call XXXX myself using numbers XXXX and XXXX. They kept asking for the account ending numbers XXXX. I did not enter the numbers because I did not want to wrongfully activate this account that do no belong to me. Never got the opportunity to speak to a representative. XXXX sent me two letters saying they recognize the dispute but the account is accurate. Once again this is not true I have tried several times through both agencies to clear this up. Just now, I received another alert from Experian that the same XXXX account ending in XXXX have a address on my profile. XXXX XXXX XXXX XXXX, PA XXXX. This is fraud. I know no one in that State and this account is not mine. This is the third agency I have reported to fraud too. XXXX was not helpful at all. I am doing everything to communicate this is fraud. XXXX have no proof the account belongs to 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 explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Since XXXX XXXX, Chase Bank has neglected legal requirements to make my sister and me account holders on our deceased mother 's XXXX business checking accounts. Each of the XXXX business accounts currently has XXXX account holders : the name of the business and the name of my deceased mother. My sister and I are legally entitled to be account holders on XXXX legal grounds. First, my sister and I are now the only co-owners and only co-managers of the businesses. Second, my sister and I are the only XXXX heirs of my mother 's estate. Third, I am the personal representative ( a.k.a. " executor '' ) of my mother 's estate and have the legal power to manage the estate 's affairs to carry out the intent of my mother 's will. I have submitted all the legal documents that XXXX claims that it requires. However, XXXX has not made us account holders and has not offered a reason. This puts hardship on my and my sister 's abilities to run the businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: CA

Complaint narrative:
hey there I try to reach equifax and XXXX to remove my an recognize XXXX XXXX XXXX XXXX inquiry XX/XX/2023 plea can you help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: FL

Complaint narrative:
15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately! 

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 These items are Illegally being reported on my credit report and i need them removed

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 2024-01-30 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: FL

Complaint narrative:
15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately! 

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 These items are Illegally being reported on my credit report and i need them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I've recently had some issues with transactions I definitely did not authorize, NFCU claimed they saw no error. 

Today, on XX/XX/24, my debit card randomly stopped working. I reached out to support and the told me my debit is suspended for the next two years - I received absolutely no prior warning, email, or letter that this was going to happened. I have funds in my account that I can not even use or transfer. 

This happening without any notice has caused me extreme stress as I can not even pay my bills or access my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: SC

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they 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 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.

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 2024-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I originally disputed this account XXXX XXXX XXXX XXXX back in XX/XX/2023 via FCRA for an inaccurate information And After my 1st dispute it was still active and never removed from my report up until my second time filing, a complaint, The XXXX consumer agencies, did not do there job thoroughly AND that is a violation TransUnion, XXXX XXXX, violated my federally protected consumer rights to privecy 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 It also states a consumer reporting agency can not furnish a account without my written instructions Plus More violations listed below *15 U.S.C 1681 ( O ) *15 U.S.C 1681 ( i ) *15 U.S.C 1681 ( e ) ( b ) 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e )

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 2024-01-30 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: DC

Complaint narrative:
I originally disputed this account XXXX # XXXX XXXX back in XX/XX/2023 via FCRA for an inaccurate information And After my 1st dispute it was still active and never removed from my report up until my second time filing, a complaint, The 3 consumer agencies, did not do there job thoroughly AND that is a violation XXXX, Experian XXXX, violated my federally protected consumer rights to privecy 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 It also states a consumer reporting agency can not furnish a account without my written instructions Plus More violations listed below *15 U.S.C 1681 ( O ) *15 U.S.C 1681 ( i ) *15 U.S.C 1681 ( e ) ( b ) 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e )

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 2024-01-30 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:
Please remove hard inquiries 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 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 2024-01-30 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:
Please remove hard inquiries 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 XXXXXXXX

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 2024-01-31 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 2024-01-30 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: SC

Complaint narrative:
It has been over 30 days since Ive submitted my disputes to the Credit Reporting Agencies to which Ive received no response.

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 2024-01-30 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: SC

Complaint narrative:
It has been over 30 days since Ive submitted my disputes to the Credit Reporting Agencies to which Ive received no response.

Company response to consumer: Closed with explanation