vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiatity under 15USC 1681. 

ACCOUNTS : XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Auto Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX 15USC 1681 Section A States I have the right to privacy.

15 Usc 1681 Section 604 A consumer reporting agency can not furnish a a ccount without my written instructions.

15 USC 1681a-Definitions ; rules of construction ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing. information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666 b ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.

Also they are'nt even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2024-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I asked this third party collection company to stop calling me at work and they continue calling. My boss had to get on the phone with them today and they were aggressive with her when she told them to stop calling the office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Trial Modification trial period plan was received, made the 3 trial payments received foreclosure notice from foreclosure attorney for a sale date XX/XX/. 
Please cancel foreclosure sale date I have made all my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUEBILL, INC
State: OK

Complaint narrative:
Account closed with no notice. All Rocket customers cancelled same day. I called in was told no payment plan options. Must pay full balance now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: OH

Complaint narrative:
I have requested and submitted multiple complaints on account and it hasnt been updated Ive contacted all agencys concerning this matter and have got Zero results! 

( XXXX ) - Account was opened fraudulently and in result account closed under my Rightful knowledge. The company has not complied to remove account from system after showing Requested documentation to the Company! I want this account deleted from my Credit report 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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've been communicating with the 3 bureaus to get all of my old addresses off of my report because I no longer live or own at these establishments. The addresses below need to be deleted ASAP off my credit report due to the FCRA. 
I recently conducted an investigation on my credit report, which has caused severe distress. I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately, as mandated by 15 U.S. Code 1681e ( b ) on the accuracy of reports. 

According to 15 U.S. Code 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ), any disputed information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency is required to : ( i ) promptly delete that inaccurate information from the consumer 's file or modify it appropriately based on the reinvestigation results, and ( ii ) promptly notify the furnisher of that information about the modification or deletion from the consumer 's file. 

If you are unable to provide me with verifiable proof within 15 days after your investigation, I request that you remove the accounts and/or the listed information. Thank you for your assistance with this matter. 

XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX, MA XXXX Resident type My ONLY current address is XXXX XXXX XXXX XXXX XXXX, TX 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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've been communicating with the 3 bureaus to get all of my old addresses off of my report because I no longer live or own at these establishments. The addresses below need to be deleted ASAP off my credit report due to the FCRA. 
I recently conducted an investigation on my credit report, which has caused severe distress. I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately, as mandated by 15 U.S. Code 1681e ( b ) on the accuracy of reports. 

According to 15 U.S. Code 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ), any disputed information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency is required to : ( i ) promptly delete that inaccurate information from the consumer 's file or modify it appropriately based on the reinvestigation results, and ( ii ) promptly notify the furnisher of that information about the modification or deletion from the consumer 's file. 

If you are unable to provide me with verifiable proof within 15 days after your investigation, I request that you remove the accounts and/or the listed information. Thank you for your assistance with this matter. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX, MA XXXX Resident type My ONLY current address is XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am a victim of identity theft. There are fraudulent accounts and transactions on these accounts with debt that were not made by me as the consumer. This has been ruining my financial reputation with your bank and multiple other banks as well because of this issue. The first account is XXXX and the amount is {$27000.00}. The second account is XXXX and the amount is {$12000.00}. I will attach the two Identity Theft Reports that I made as well. Please help resolve this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: CA

Complaint narrative:
I have been making on-time car payments since I purchased the car in XXXX XXXX  and they have only reported payments up to XX/XX/year>. They are 7 months behind in their reporting to credit bureaus which is affecting my credit score and I am unable to get approved to for other loans, approved for credit cards, etc.

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 2024-02-01 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: TX

Complaint narrative:
I'm submitting this complaint because I recently checked my credit report and found some incorrect information. It seems there's a mix-up with another person named XXXX XXXX XXXX The details affecting my report are : - REMOVE Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX - REMOVE Account : XXXXXXXX XXXX XXXX XXXX - REMOVE Account Number : XXXX I have no connection to XXXX XXXX or the mentioned address and account. This mix-up is harming my credit, and I need your help to fix it. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. I am formally disputing this information and requesting its prompt removal. 

I've attached documents verifying my identity and showing the mistakes. Please review them and correct my credit report accordingly. 

If this isn't resolved quickly, I may need to explore legal options, including arbitration, to fix the errors and seek damages. 

I appreciate your prompt attention to this matter and look forward to confirmation once the corrections are made. 

Thank you for your assistance.

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 2024-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
WelYou will find attached a letter from XXXX XXXX  documenting that there was no error occurred and the transaction of {$1400.00} was processed as requested on XX/XX/XXXX. In the second set of documents, XX/XX/XXXX you will find the following : 1. Letter to XXXX XX/XX/XXXX requesting escalation and mentioning investigation of the XX/XX/XXXX transaction 2. Six pages of my XXXX account transaction details showing debits from my account to Wells Fargo for XXXX credited on XX/XX/XXXX and XXXX credited on XX/XX/XXXX XXXX. Acknowledgement from Wells Fargo on XX/XX/XXXX of only the XXXX payment 4. Email from XXXX XXXX XXXX to Wells Fargo on XX/XX/XXXX inquiring as to whether or not Wells Fargo had located the XXXX. 
5. Other supporting documentation 6. Receipts from Wells Fargo dated XX/XX/XXXX XXXX XX/XX/XXXX 1. Letter from XXXX Federal Student Aid documenting my Federal Student loan forgiveness dated XX/XX/XXXX 2. Water bill grant payment to me from XXXX XXXX dated XX/XX/XXXX I think that I have fulfilled the three payment terms of my loan modification payment and I am requesting that you timely credit my account to reflect these payments. On XX/XX/XXXX XXXX took back the funds that they previously advanced to me. 

Would you please contact me with any questions that you may have at XXXX land line or XXXX? 
XXXX XXXX XXXX, XXXX. Successor in interest, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number 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 2024-02-01 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: MD

Complaint narrative:
There is an account on my credit report from XXXX XXXX XXXX with the account number : XXXX. 
I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information. For example, my name, social security number, and date of birth. Only a signed contract between I the consumer and XXXX XXXX would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 

I have not received any Debt Validation Notice from XXXX XXXX as they were lawfully required to per FDCPA laws. 
Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery or receipt that XXXX has sent a Debt Validation Notice to I the consumer. Written and verbal communication directed via FDCPA was not provided to I the consumer ; allowing me to properly dispute this invalidated debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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:
This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate fully verifiable. I have been living with a friend because my score is affected by this inaccurate items and am not able to get my own apartment.

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 2024-02-01 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: NY

Complaint narrative:
XX/XX/XXXX I looked at my credit report. I sent a letter to Experian on XX/XX/XXXX asking them to reinvestigate the account : XXXX XXXX XXXX XX/XX/XXXX they sent me their investigation letter and said these accounts are complete and accurate.

I looked at my credit report and noticed everything is still the same.

However, according to 15 USC 168i 5, They are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 the information that the information has been modified or deleted from the file of the consumer According to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Additionally, according to 15 USC 1681s-2 this is suppose to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer relating agency if- ( i ) the person has been notified by the consumer, at the address specified by the person of such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate Experian really did not do the reinvestigation, they lied on the official document saying they did something they did not do and I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/XXXX, someone applied for two Bank of America credit cards using my information. I received a credit notification from XXXX ( my current credit card provider ) as a part of their included credit monitoring program. I was able to take a look at the details last evening XX/XX/XXXX and it was a hard inquiry vs. soft which concerned me. I have not applied for any new credit in some time. As I currently have no business with BOA my concern led to a call to XXXX this XXXX  The rep at XXXX informed me the inquiry was valid and advised me to 1. call BOA to report the issue ( which I did ) 2. report to the XXXX site which forwarded me to you based on how I answered their online questions, and 3. to create a police report which I plan to do next. They also placed a fraud alert on my record and told me that alert would also notify XXXX and XXXX. I did obtain the application numbers from BOA and they will investigate and may/may not provide me resolution per their rep. I did request they remove the hard inquiry from my account as each can affect credit score. If there is further information I should share or actions I should take, please let me know.

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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This email is in regards to paypal case XXXX. 

I have Opened a case with pay pal and provided information below. 

The order was delivered to the wrong person, i have contacted the seller and they have contacted the XXXX and mentioned they have now opened a claim with XXXX and will get back to me as they hear back from them. I spoke to XXXX they have not yet opened any claim but i wanted to inform PayPal so we all can stay in the loop. 

it requested the signature and ID of the person to whom it got delivered It had been delivered to the wrong receiver and I just received an answer from the seller after so many days that XXXX has denied mentioning the order was delivered to the correct person. I was home the entire time and even upon tracking it mentions somebody else 's name as the receiver and completely some one else 's signature. I have asked Paypal if they need me can send them my lease where I live so they can see I am the person who lives here.

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 2024-02-01 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: FL

Complaint narrative:
I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, XXXX.This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely XXXX, EXPERIAN AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your 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 explanation