vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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: CT

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX, Account # - XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NJ

Complaint narrative:
I was working with XXXX XXXX  XXXX and Cardinal Financial on a VA Home loan. I was told I was unable to close on the loan because my tax transcripts did not match my amended tax return. Well the both of the companies were aware that my taxes were amended and submitted to the IRS by my account. My accountant provided a letter to the mortgage broker XXXX XXXX stating so. The IRS was contacted and they stated it was taking 16 weeks to update tax information but the lender ( Cardinal Financial ) could still receive documentation with the IRS stamp that the amended taxes were received and being worked on. The mortgage broker was notified of this and did not do anything to contact the IRS. The mortgage broker and lender were aware of my tax amendments from the very beginning of me starting this VA loan process then waited approximately 4 months till the day to close on the loan for my realtor to tell me that they were not going to be able to close because of the taxes. Then once I was told that the lender will not close on the VA loan because of my taxes, I was sent a bill for {$4800.00} from the lender. Ive closed on a VA loan in the past and never experience this type of unprofessionalism. Through the whole process the mortgage broker and lender were constantly ask me for the same documents over and over again, even to the point of when they wanted me to get the rent verification form filled out and when I had my landlord complete the form, I was later told that this can only be requested by the lender. These types of circumstances were happening with this lender and mortgage broker and every week there was an increase on the down payment for a VA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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 XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX INQUIRIES : XXXX XX/XX/year> : XXXX XXXX XXXX XX/XX/year> 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 2024-09-09 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: FL

Complaint narrative:
The late payments do not align with my usual payment pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

WELLS FARGO 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 2024-09-09 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding my Chase Ink Unlimited Card ending in XXXX. I applied for the card under an offer that provided XXXX points after spending {$6000.00} within 90 days. After meeting the spending requirement, I received the XXXX points as promised. 

However, I later discovered that Chase was offering a concurrent promotion for the same card, which provided XXXX points for the identical spending requirement. Given the overlap in timing, I reached out to Chase to request that my account be adjusted to match the higher points offer, especially as I had already fulfilled the spending threshold. 

Unfortunately, despite my reasonable request, Chase declined to match the XXXX points offer. I believe this decision is unfair, as both offers were active during the same period, and I had already met the required spending terms. This experience has been frustrating and disappointing, and I feel that my request for the additional XXXX points was entirely reasonable. 

I respectfully ask the Consumer Financial Protection Bureau to review my case and assist in resolving this matter, as I believe Chase 's refusal to match the offer undermines fair business practices and customer satisfaction. 

Thank you for your attention to this issue. I look forward to your assistance in helping to resolve this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent dispute requests to XXXX, Experian and XXXX regarding the following accounts numbers : XXXX / XXXX / XXXX / XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these 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 2024-09-09 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: KY

Complaint narrative:
ACCOUNT : XXXX XXXX XXXX XXXX 

THIS ACCOUNT WAS A CHARGED OFF NA DTHEY SALE THIS DEBT TO A DEBT COLLECTOR, AS LAWS REQUIERES THEY HAS TO REMOVED THIS ACCOUNT FROM MY CREDIT REPORT BECAUSE WAS SALED TO ANOTHER LENDER, THEY KEEP IT, THIS IS A VIOLATION OF 15 USC 1681i-5. THIS DEBT WAS PAID IN FULL HERE I WILL ATTACHED A REAFIRMATION LETTER FROM LENDER

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 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Conn's, Inc.
State: AL

Complaint narrative:
I enrolled in a XXXX XXXX XXXX. I paid a partial payment in XXXX because the XXXX company made a partial payment in XXXX to ensure the full payment for XXXX was met. A proposal for the Conn 's to accept the proposal has been over 45 days and I am still receiving emails, phone calls, and texts about the account being late. I reached out to the XXXX company and was notified that Conn 's had not accepted the proposal. Maybe this due to the closing of the business but I am reaching out for assistance to get the company to accept the plan and to waive all fees charged for within the past 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
We, the homeowners, received a letter from our insurance company stating that payment was coming due on XX/XX/year>. The letter also showed an increase in our premium. We checked Mr. Cooper 's site, and it showed the prior premium amount and indicated payment would be made XX/XX/year>. We clicked the link on that page to " update policy information '' the week before XXXX. We provided the information needed for the updated premium amount. Mr. Cooper indicated this was processed. On XX/XX/year>, our payment had still not been made to the insurance company, and Mr. Cooper 's site showed we ( the borrowers ) would be receiving {$2000.00} back from our " overpayment '' of escrow. XXXX was a Friday and I had to wait until Monday to speak to actual people regarding this issue. It is now XX/XX/year>, and our insurance policy is pending cancellation because payment has not been made. Our insurance company is saying payment must be made today. Mr. Cooper is currently on the phone with me. I am telling them payment must be made today. They are saying it will take a couple days to process. I am now on hold with them while they indicate they are trying to " make the insurance company aware '' of the situation. This situation that Mr. Cooper caused. This situation is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CAPITAL ONE, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes. 

It has unequivocally come to my attention that CAPITAL ONE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for CAPITAL ONE to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that CAPITAL ONE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAPITAL ONE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: VA

Complaint narrative:
I recently checked my credit report and discovered accounts reporting that I do not recognize.

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 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am a victim of bank fraud through my account with XXXX XXXX XXXX XXXX. Sometime in XXXX a person named XXXX XXXX began making withdrawals from XXXX Apple Card from my business account with XXXX XXXX XXXX. He made several transactions that were more than {$9300.00}. I was not made aware of this issue until my account was XXXX which included overdraft fees. This was on XX/XX/XXXX. I do not know this person who did it. My bank claims that I authorized the person to do it because they had my routing and bank account number. I haved received any bank statements for several months from my bank. I have contact XXXX and Apple Card twice and spent hours and each time I was told they would get in contact with me but they have not. I went to my local XXXX XXXX located at XXXX XXXX XXXX XXXX, NY XXXX, after learning what transpired with my account and closed the account on approximately on XX/XX/XXXX, and the account was not officially closed until XX/XX/XXXX. I also learned after several months of working on this issue that XXXX XXXX began stealing money from my XXXX Account since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
when Newrez took over servicing the mortgage about a year ago, the invoices did not arrive until about 7 days prior to due date. For the past 4-5 months I have not received an invoice and I have called each time. Each time, including as recently as this morning I was told that they would email me a copy of the invoice and have never done so. 

I am entitled to receive a monthly invoice and they just blow me off. This morning I spoke with XXXX XXXX and she assured me I would get a copy of the invoice. I should not have to call each month when I realize that I have not received one. They really push paying on line and I am not comfortable doing that and I believe they are trying to force on-line or ach payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: PA

Complaint narrative:
I was absolutely shocked to find errors on my credit report this evening. Everything was fine before, but suddenly there were discrepancies. I refreshed my browser thinking it was just a mistake, but the incorrect accounts remained. I really need the documents I've sent to be double-checked so I can avoid dealing with this stress in the future.

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 2024-09-09 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I have attached a copy of the identity theft police report to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon carefully reviewing my recent credit report, I've identified multiple fraudulent accounts that appear to have been added without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: CA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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