vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Mr. Cooper Nation Star has incorrectly reported several months on my credit report as late. I have disputed the late payments and they have since then been corrected for some but not all. My mortgage payments are still showing late for XX/XX/2022, XX/XX/2022, and XX/XX/2022. XXXX had fixed the issue and took the late payments away but they popped back up. I put in several disputes for all 3 bureaus and they told me they would be corrected however they are still reflecting on my credit report. I have also been told that I would get calls back within 48 hours and have not received any calls back and have had to call back each time being told that I have to start restart the process because they couldn't find the information in the system. Currently, I am needing XXXX and XXXX reporting to be corrected. There seems to be no stream line for effective communication and this is affecting my credit report/score. The costumer service as been awful & exhausting.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update this account immediately.

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 2023-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My mortgage was transferred from XXXX XXXX to Chase effective XX/XX/XXXX. When the transfer was complete on XX/XX/XXXX, I was able to sign in to the Chase App and use Chase.com to view my balance, escrow, and principal. I was even able to set up a checking account to make payments from. 

However, when I was signing in to set up my payments for XXXX, I was presented with two agreements I was required to accept before using the Chase App or Chase.com to pay my mortgage. 

The first was the Online and Mobile E-Sign Disclosure and Consent Agreement. I had no problem reading and agreeing to the terms there as it was a routine electronic communication agreement, and 10 pages long. 

My issue is with the Digital Services Agreement. It is a 124-page document containing terms and conditions including holding JP Morgan Chase blameless for any interruption of service, agreeing to no warranties ( express, implied, statutory ), and an agreement to settle any dispute with binding arbitration. 

I was not consulted regarding the sale of my mortgage. I was not asked to consent to the sale of my mortgage to JP Morgan Chase. I do not accept there terms being forced on me in order to pay my mortgage. JP Morgan Chase has employed bait-and-switch tricks to force me to agree to a set of terms and conditions I was not presented with during the transfer of my mortgage. This appears to be a legal maneuver rather than good underwriting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX has failed to investigate disputes accurately and in good faith This is the first of many letters that will calm and be filed. first one as a result of not looking into unauthorized inquiries and removing them. Despite providing no proof of any sort of signed or authorized inquiry of my credit report, XXXX will not delete the fraudulent credit inquiries

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX has failed to investigate disputes accurately and in good faith This is the first of many letters that will calm and be filed. first one as a result of not looking into unauthorized inquiries and removing them. Despite providing no proof of any sort of signed or authorized inquiry of my credit report, XXXX will not delete the fraudulent credit inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Accscient, LLC
State: FL

Complaint narrative:
I have reached out this company serval times explaining that this bill has discrepancy and also does not belongs to me. They have yet to provide any documentation or information to guide me in the direction to have this removed from my credit report immediately.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
On XX/XX/XXXX we received a Loan Estimate where it had a CITI credit card reporting under the Liabilities. It shows there's a balance of {$510.00} with a monthly payment of {$54.00}. I contacted our lender and she said it may not be fraud since sometimes people have a credit card for Costco, Home Depot, etc... She called on XX/XX/XXXX to go over the loan estimate and the details of the Liability portion. She gave me a phone number to call ( XXXX ) XXXX and right away it said it was for a Costco Anywhere Visa Card. On the report it only has 12 numbers for a credit card, not 16. I entered my social and the 12 digits for the credit card that was on the report and nothing came up. I then was transferred to an agent and could he could not find anything under my social, name, or 12 digits of the credit card. I contacted the loan officer and she informed me that it was opened in XX/XX/2022, it's only reporting under my social, and there is a balance. I relayed this information to the agent and he transferred me to CITI credit card. After we explained the situation again they transferred me back to Costco Credit card because of the numbers it began with are for Costco credit cards not a regular CITI credit card. Once they transferred me I asked to speak to a manager and the lady asked why I needed a manager and she needed the information to be able to transfer me. I explained again and she told me she would get a hold of their Fraud Department and ask for guidance. She came back on the line and said to pull a credit report and dispute the CITI credit card and that there was nothing they could do on their end.

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
The consumer reporting agency has violated my consumer rights under the fair Credit Reporting Act. Specifically 15 USC 1666 B, other violations are shown in the screenshot.

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
The consumer reporting agency has violated my consumer rights under the fair Credit Reporting Act. Specifically 15 USC 1666 B, other violations are shown in the screenshot.

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXXBalance : {$520.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX 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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: GA

Complaint narrative:
I HAVE CALLED THE CREDIT REPORTING AGENCY SEVERAL TIMES IN ONE DAY TO FILE A DISPUTE ON SEVERAL ITEMS AND THEY ARE GIVING ME A HARD TIME FILING A DISPUTE PUTTING ME ON HOLD STATING THEY CAN HANDLE MY FILE ITS CRAZY AND THIS NEEDS TO STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Tally Technologies
State: PA

Complaint narrative:
My identity has been stolen. Someone opened a line of credit with Tally Technologies in my name ( not me ) and have have charged {$5800.00}. I have reported this to the credit bureau agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX has told me that my dispute was complete and the late payments for XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 was removed from my credit report after completion of a dispute. My credit report had not been updated & I called back and they verified that it was still showing after I was told it was not. They told me someone would all me back within 24 hours and it has been over a week since then. There is a lack of proper communication, no one is able to help, and the customer service has been aweful!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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:
I mailed letters to XXXX, XXXX, and TransUnion on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose. In addition, I requested proof of how information regarding the listed items were furnished and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information and contacted XXXX XXXX XXXX listed on my credit reports and was informed that this information was never supplied to any consumer reporting agencies.

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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
This account information appeared on my XXXX account> I am unaware of this account and who it belongs to. 

Date Reported : XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX , XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$6500.00} Amount {$6500.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This account information appeared on my Equifax account> I am unaware of this account and who it belongs to. 

Date Reported : XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX , XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$6500.00} Amount {$6500.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, 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. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
victim of identity theft and fraud and demand these accounts to be removed from my credit today. 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 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 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
victim of identity theft and fraud and demand these accounts to be removed from my credit today. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've sent multiple dispute to fix errors on my report and was told it was accurate. Then I notified the credit bureau to provide me with their investigation reports on the finding and I was not given that. They only sent my credit report when i as for an investigation. 
XX/XX/2023, XX/XX/2023, XX/XX/2023, On XX/XX/2023 ( i asked for proof of the documents ) XX/XX/2023 XX/XX/2023 Legal Name does not match also!!

Company response to consumer: Closed with explanation