vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 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: TX

Complaint narrative:
I am writing to formally lodge a complaint against XXXX and Experian regarding their unlawful actions and inaccurate reporting of my credit account with XXXX XXXX. Despite my repeated efforts to rectify the situation, XXXX has persisted in reporting my account negatively even after I filed a Recession of Contract with XXXX XXXX. This has resulted in severe harassment, bullying, and an inability to terminate my contract without further detriment to my credit report. 

My grievances against XXXX are outlined as follows : 1. Violation of Consumer Rights : XXXX and Experian 's actions flagrantly violate my rights as a consumer, as outlined in 15 U.S Code 1635. Despite my exercise of the right of rescission by filing a Recession of Contract with XXXX XXXX, XXXX has continued to report my account negatively, obstructing my ability to exercise my legal rights. 

XXXX. Inaccurate Reporting : XXXX and Experian persistently reports me as late on payments to XXXX XXXX, despite my consistent and timely payments with no outstanding dues. This erroneous reporting has marred my credit history and exposed me to unjust financial penalties. 

XXXX. Harassment and Bullying : XXXX and Experian 's continuous negative reporting has subjected me to relentless harassment and bullying from XXXX XXXX. Despite my Recession of Contract, XXXX XXXX refuses to acknowledge it and insists on penalizing me for fictitious delinquencies, causing significant emotional distress and financial hardship. 

Furthermore, on XX/XX/XXXX, XXXX and Experian reported a late payment to XXXX XXXX and Experian, despite my timely payment of my car note. This action egregiously violated my consumer rights. Although XXXX and Experian corrected the status the following day, my credit score on XX/XX/XXXX erroneously shows late payments of 30-60 days, causing me considerable mental distress. 

I am invoking my rights under 15 U.S. Code 1640 and 12 CFR Part 1026 ( XXXX XXXX  ) to seek civil liability against XXXX for their unlawful actions. 

I urge the Consumer Financial Protection Bureau to promptly investigate this matter and take appropriate action against XXXX for their flagrant violations of consumer rights and inaccurate reporting practices. Additionally, I request that XXXX be compelled to rectify the inaccurate information on my credit report and cease all further harassment and intimidation tactics. 

Attached is relevant documentation, including correspondence with XXXX, Experian and XXXX XXXX, to support my complaint. Please feel free to contact me if additional information is needed. 

Thank you for your attention to this urgent matter.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), this letter is a formal request to correct inaccurate information contained in my credit file. The items listed below are incomplete and misleading. I requested proof of late payments through letter in XXXX XXXX XXXX no proof was given by credit company.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), this letter is a formal request to correct inaccurate information contained in my credit file. The items listed below are incomplete and misleading. I requested proof of late payments through letter in XXXX XXXX XXXX no proof was given by credit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), this letter is a formal request to correct inaccurate information contained in my credit file. The items listed below are incomplete and misleading. I requested proof of late payments through letter in XXXX XXXX XXXX no proof was given by credit company.

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 2024-04-16 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:
I recently checked my consumer report and found multiple damages on my report. This is a defamation of my character and violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: TN

Complaint narrative:
XXXX XXXX XXXX I Reported XXXX XXXX XXXX XXXX {$3000.00} Closed I have an installment loan on my credit report that I dont have any acknowledgment of or didnt apply for I need this deleted or remove soon as possible it is hindering me from growing with possible lenders thanks

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 2024-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The plan was confirmed on XX/XX/XXXX. The case was completed on XX/XX/XXXX. Capital One Auto Finance was one of the paid scheduled creditors in the XXXX XXXX XXXX XXXX XXXX  bankruptcy. The XXXX XXXX XXXX XXXX  on XX/XX/XXXX. In XXXX, I started receiving harassing phone calls and text messages from Capital One Auto stating that I owe them a balance of over {$4000.00}. I had previously informed Capital One Auto that my bankruptcy had been completed and I was waiting on my title. I was informed that I couldnt receive my title until the bankruptcy was discharged. Unfortunately, that statement changed and Capital One continued the harassment. On XX/XX/XXXX, Capital One Auto send a repossession notice to XXXX XXXX XXXX and they repossessed my car from my apartment parking lot. On XX/XX/XXXX, I contacted Capital One Auto several times before I was able to speak to a representative that tried to bully me into paying over {$5000.00} by telling me in 10 days my car would be sold at an auction and that the discharge paper didnt mean anything that I owe over {$4000.00}. Capital One Auto had all the bankruptcy court documents and I also emailed the bankruptcy documents from my attorney to them. Finally, the Capital One Auto representative stated that a Supervisor and then a Manager had to review the documents and it could take anywhere from 48-72 hours and thats the process. During that timeframe, they would determine if it was a lawful or unlawful repossession, but I had to be transferred to debt collection to find out how to pay if it was a lawful repossession. I continued to explain that it was an unlawful repossession and that I wanted my car returned and my title and for them to remove the negative information from my credit report which lowered my score by XXXX XXXX. Capital One Auto Finance has violated the bankruptcy laws and fair credit laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: CO

Complaint narrative:
Rent Recovery Solutions Statement date : XX/XX/24 Settlement Amount : XXXX Balance Owed : XXXX Action taken by me : called this number XXXX but no one answered Statement date : XX/XX/24 Settlement Amount : XXXX Balance Owed : XXXX Action taken by me : called the same number but no response. I also looked at my credit score but since I dont have any credit there is no credit to look at.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was with Country Wide home loan and was caught up in the way they were misleading me about the mortgage. They way they set it up l had to try and get them to refinance and didnt understand the way they structured the loan. Now that in older the way the mortgage is structured Im unable to get a reverse mortgage.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
i have been trying to get Chex Systems to unfreeze my account for over 4 months. I initially had a freeze placed on my account but that was over a year ago and I don't remember the pin I used. I've explained this to Chex Systems however each time I call, I get told that I would have a letter mailed out to my address which has yet to happen. I recently moved and the letter isn't arriving there either! I have taken it upon myself to email documents to Chex Systems however I have not received a reply from them via email. A few weeks ago I called and asked to speak to a supervisor and got transferred to someone who said that they would unfreeze my account. That has not happened. I was shopping for a car recently and was denied credit with several hits to my credit inquiry profile and nothing to show for it, specifically because of Chex Systems ' unwillingness to unfreeze my account.

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 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For approximately a month, I have been dedicatedly working to address an ongoing discrepancy in my credit report concerning XXXX, XXXX, and TransUnion, all of which have inaccurately recorded that a payment on my XXXX  XXXX account was late on XX/XX/XXXX, account number XXXX despite my clear evidence of making a timely payment. Despite my persistent efforts, the creditor has been uncooperative in providing substantiation for the alleged late payment. Consequently, I am formally requesting the removal of this erroneously reported late payment from my credit report to rectify this error promptly and ensure the accuracy of my credit history. In support of my request, the creditor must adhere to the Fair Credit Reporting Act ( FCRA ), a federal law that mandates accurate and fair reporting of consumer credit information. Under the FCRA, creditors are obligated to investigate and correct any inaccuracies upon the consumer 's request, ensuring the integrity and reliability of credit reports. Please see screenshot done below

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For approximately a month, I have been dedicatedly working to address an ongoing discrepancy in my credit report concerning XXXX, Equifax, and XXXX, all of which have inaccurately recorded that a payment on my XXXX  XXXX account was late on XX/XX/XXXX, account number XXXX despite my clear evidence of making a timely payment. Despite my persistent efforts, the creditor has been uncooperative in providing substantiation for the alleged late payment. Consequently, I am formally requesting the removal of this erroneously reported late payment from my credit report to rectify this error promptly and ensure the accuracy of my credit history. In support of my request, the creditor must adhere to the Fair Credit Reporting Act ( FCRA ), a federal law that mandates accurate and fair reporting of consumer credit information. Under the FCRA, creditors are obligated to investigate and correct any inaccuracies upon the consumer 's request, ensuring the integrity and reliability of credit reports. Please see screenshot done below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Mortgage — VA 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: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Our mortgage is with Mr. Cooper and we have been having issues with this Lender ever since the data breach and the fact that when you call Mr. Cooper, you never get a live person. If you don't choose the options they give you, then you are disconnected. Very frustrating. 
Now, they have done two ( 2 ) Escrow Analysis Reviews and keep changing my mortgage payment. It continues to go up and it is very difficult to keep it going, but I am. Now, my question is this ... ... .Why do they keep doing this to us and possibly others? Are they trying to get more money into their bank accounts and earn the interest while we, as the Homeowners are trying to keep up. This is uncalled for and I demand some action from CFPB, please. Their statement says that " your taxes and/or insurance amount has increased which could cause your escrow account to fall below the required minimum balance ''. 
I have contacted our Insurance company and our insurance has NOT gone up. I've contacted my local taxing authority and they have not changed our taxes one way or another. SO WHY DOES MR. COOPER KEEP RAISING OUR MORTGAGE????? 
Something has to be done about this. Please.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/2024 Me and my uncle called chase and asked could we deposit a third party check. They instructed us that we could. On XX/XX/2024 I deposited the check for {$3500.00} and my account was restricted the same day. Upon calling Chase bank I was told that check payee needed to be verified via phone number. I explained the situation where he couldnt be verified via phone and I was given a few options. I was told to bring my uncle in with a hold harmless letter and gave it notarized by a chase employee in which he did. Im now being told that that wont suffice when I was specifically called by a chase supervisor and was told this was the only way. I have been told numerous things from employees everyday I call so its so confusing!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: GA

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 USC 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on statement a payment made by the obligor or a credit issued by the obligor

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 2024-04-15 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: NJ

Complaint narrative:
I notified Experian that I am a victim of identity theft, I see errors on my credit report. Experian i have the account XXXX XXXX XXXX Account number XXXX that says it was paid in a settlement. THIS IS NOT MY ACCOUNT and I didn't pay anything in any settlement. THERE ARE ADDRESSES ON MY CREDIT REPORT AS WELL THAT I HAVE NEVER LIVED AT

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I tried to get my free anual report from Transunion but they seem to want me to fill out a purchase money order so they can still make money from me ordering my free annual report. Then I look around the site and can't find any discolsure on how one might get their free anual credit report from transunion. Transunion denied ever being such a thing and insists I authorize a purchase money order from them.

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was reviewing my Online Banking and I did see the indication of how much I would have to pay to pay the account off in 36 months. This would be helpful so that I can see how I can get to pay this off in a short period of time.

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 2024-04-15 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: FL

Complaint narrative:
I am writing to formally complain about the inaccurate credit information currently reported by your agency. The inclusion of the following information in my credit profile has adversely affected my good credit standing, leading to a wrongful denial of credit recently. 
As per credit reporting laws, it is imperative that bureaus report only accurate credit information. I believe the inclusion of this inaccurate information is a mistake, either on your part or the reporting creditor 's. This mistake has not only been highly embarrassing but has also negatively impacted my lifestyle. 
I kindly request the prompt verification and deletion of the following information from my credit report : Creditor Name- XXXX XXXX XXXX Creditor Name- XXXXXXXX  Creditor Name-XXXX XXXX Creditor Name-XXXX XXXX  Creditor Name-XXXX XXXX XXXX Inquiries- XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX your swift attention to this matter and request the removal of the aforementioned information as quickly as possible. 
Sincerely, 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