vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to buy a house and I realized that I had damages on my credit report. According to the 15 USC 1681 law, there should not be any damages on my report. It's a defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: GA

Complaint narrative:
I was trying to buy a house and I realized that I had damages on my credit report. According to the 15 USC 1681 law, there should not be any damages on my report. It's a defamation of my character.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
company are checking my credit more than once that i have allowed them only once and now its affecting how i am trying to work with my credit and giving my kids a chance to have a better future

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: William D. Meeker Enterprises, Inc.
State: IL

Complaint narrative:
company are checking my credit more than once that i have allowed them only once and now its affecting how i am trying to work with my credit and giving my kids a chance to have a better future

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: NV

Complaint narrative:
Yes I sent in certified letters to the credit bureaus to show nanocuries on my report. They sent me multiple letters stated it was verified. Then I sent in verifications letters telling them they needed to prove how the debt was verified. They did not do this and they are violating consumer law and these accounts now must be removed. My next step is a lawyer if they no longer comply. One account was removed from my report for this reason so the others need to be removed as well. The following accounts are : XXXX XXXX XXXX  account number XXXX XXXX and XXXX XXXX XXXX XXXX account number 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 non-monetary relief
Consumer complaint received 2023-12-29 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: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this 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 non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: VT

Complaint narrative:
Hi, I am documenting for a third time. I am STILL approved for COVID relief assistance ( which is coming to an end ) for XXXX XXXX I have had several calls with RIGHTPATH about accepting this ( despite them claiming I am not approved for the assistance? which is confusing because I had to internally escalate a CONFIRMATION from the relief dept to confirm this from saying my mortgage was claiming the opposite of their claims ). I have had now a handful of conference calls with RIGHTPATH with a HUD officer ( who has welcomed me to subpoena her logs, calls, and records if needed in the future ) where I was qualified to have the funds applied, then applied them and the balance difference as a back end second loan on the end fo the mortgage, etc. I have made several dozen of call back requests from RIGHTPATH without response. THey have been given now a total of XXXX letters of hardship from the ongoing pandemic. I have been through this process with them 3-4 times, since they have to redo it every 60days ... AND they have changed their rules per their shareholders request since my original ask. THere is more ... but my concern is that the longer they drag this out two things might happen ( which has been previously identified ), either the outstanding balance will exceed the 25 % for the back end of the loan ... OR the assistance program will come to an end without rightpath collecting the funds from them. I can attach copies of emails with the XXXX XXXX, HUD, and other agents contacted and consulted with rightpath if needed. I feel like I am consistently being lied to and there is a lack of urgency to resolve the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX being improperly notifed by rules in Bank Secrecy Act of 1970, also known as the Currency and Foreign Transactions Reporting Act, is a U.S. law requiring financial institutions in the United States to assist U.S. government agencies in detecting and preventing money laundering the ( improper practices ) of activates of my accounts at JPMORGAN CHASE BANK, N.A Member FDIC online. I contacted there fraud department at toll free XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to acknowledge any resolution to a negative balance or access information of the fraud active and to educate there live agent of banking secrecy act of 1970 which is noted in there filing system I contacted the from my cell ( XXXX ) XXXX also to act in good faith of settling account in equitable entitlement of XXXX XXXX XXXX XXXX XXXX XXXX Account certificate Beneficiary demand of bills 12 CFR Part 1026 - Truth in Lending ( Regulation Z )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BCG Equities, LLC
State: WI

Complaint narrative:
I originally got the letter about the debt being sent to BCG Equities on XX/XX/XXXX XXXX  they have had the account since XXXX. I called them on XX/XX/XXXX for the first time, and they were closed. Called again on the XXXX and requested information regarding the debt since it was something I wasn't familiar with and was unsure about the balance and was told it was going to be emailed to me but I never received anything. I called again on XX/XX/XXXX and left a voicemail, and again on XX/XX/XXXX and left a voicemail. I found out that they were suing me as of XX/XX/XXXX. I FINALLY got ahold of someone on XX/XX/XXXX and even though it was their fault I was told I would have to pay the additional expenses since they sent it to court. I set up my payments and have been paying them $ XXXX. I even got an email from a XXXX apologizing for the delay including the document I requested almost 2 months prior. ( I have a copy of this email. ) Since then, as of XX/XX/XXXX, my payment wasn't attempted to be processed until XX/XX/XXXX due to the weekend which is understandable. My payment didn't go through for whatever reason, but I just had to move money from savings to checking and call and have them re-process. They called me for this. I was traveling and missed their call but tried calling several times on XX/XX/XXXX and left a voicemail. I finally was able to talk to someone on XX/XX/XXXX- XXXX, who wasn't even in the collection department, who took my XXXX payment. For the record, she specifically says the voicemails get routed to the collections XXXX for them to call back. I dont think I have ever gotten a callback since having to deal with this company. She also told me via email my payments are still set for automatic withdrawal even though the stipulation is broken. I have been calling to try to pay the remaining balance off and I have left numerous voicemails with no luck. I am not paying any additional court fees. I have been trying to get ahold of this company and have proof that I have been doing so since XXXX. All I want to do is pay the remaining {$360.00} of the original Stipulated amount agreed on. I have already paid {$1700.00} since XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION
State: IL

Complaint narrative:
UMB Bank restricted access and blocked my access to my account and money. I called UMB on XXXX XXXX and spoke with XXXX at XXXX, he told me the fraud department was closed and needed to call back earlier in the day and he could not help me. 
I called again on XXXX XXXX and spoke with XXXX in the " online banking technical support '' department and he told me he could not help me access my online account and I needed to call a branch, which he provided a phone number XXXX. I called this branch and was told that I should have not been sent to the branch and they could not help me. He took my information and said someone would call me. Later that day, XXXX, called me from XXXX and after confirming my information she told me I could access my account the next day. It is now 2 days later and I still can not access my account. 
I have been lied to and I am outside the XXXX so it costs me {$2.00} per minute to talk to UMB and they keep passing me off and lying about my account. I need to access my account and it should not matter where in the world I am currently at to do so. I spend many months per year outside the XXXX and it is not alright to lock my account and deny me access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received alerts on my credit monitoring system, and noticed a plethora of inquiries that I do not recognize, and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately. 
XXXX ) XXXX XXXX account number XXXX Experian, XXXX, XXXX XXXX ) XXXX account number XXXX Experian XXXX, XXXX XXXX ) XXXX XXXX account number account XXXX Experian, XXXX, XXXX XXXX ) XXXX XXXX account number XXXX Experian, XXXX, XXXX XXXX XXXX XXXX XXXX account number XXXX Experian, XXXX, XXXX XXXX ) XXXX XXXX account number XXXX XXXX, Experian XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: NY

Complaint narrative:
Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX, XXXX and Transunion regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/ and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,

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 2023-12-29 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:
Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX, Experian and XXXX regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/2023 and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,

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 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My wallet was lost in XX/XX/XXXX. I was monitoring my credit cards but I continued to make payments to the card without any charges. For the last two months I have been requesting a new card ; however, I never received one. When I called today XX/XX/XXXX, I was told the account was closed. When I inquired why, I have been giving three different answers : first, they stated I closed the account ; incorrect ; second, the bank closed the account after a review, incorrect and third-the account was closed because I never received the requested cards. To reopen the account they have to run a new report which affects my credit. Which I told them Im current on the account and I never closed the 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 2023-12-29 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:
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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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 an 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 2023-12-29 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: MD

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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: MA

Complaint narrative:
My information was sold and bought illegally because i was a victim of the XXXX XXXX XXXXI want these items Deleted from my Credit Reports effective immediatelly.I am attaching Proof that XXXX has admitted that i was in fact a victim of this Data Breach and XXXX has done nothing.Please help me Delete these illegall accounts from my credit report.And if they dont get Deleted it i will proceed with a Law Sue immediately.Im attaching all accounts to be Deleted Below. 
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 XXXX XXXX XXXX XXXX Also i want all Hard Inquiries Deleted from XXXX, XXXX, Transunion from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX immidiately.Also i want only in all 3 Credit Reports this information Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im not retired please removed that from all reports.I work full time. 
THATS THE ONLY INFORMATION I WANT ON MY REPORTS DELETE ALL OTHER INFORMATION IMMIDIATELY.

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 2023-12-29 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: MA

Complaint narrative:
My information was sold and bought illegally because i was a victim of the XXXX XXXX XXXXI want these items Deleted from my Credit Reports effective immediatelly.I am attaching Proof that XXXX has admitted that i was in fact a victim of this Data Breach and XXXX has done nothing.Please help me Delete these illegall accounts from my credit report.And if they dont get Deleted it i will proceed with a Law Sue immediately.Im attaching all accounts to be Deleted Below. 
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 XXXX XXXX XXXX XXXX Also i want all Hard Inquiries Deleted from Experian, XXXX, XXXX from XX/XX/XXXXXXXX XXXX  to XX/XX/XXXXXXXX XXXX immidiately.Also i want only in all 3 Credit Reports this information Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX Im not retired please removed that from all reports.I work full time. 
THATS THE ONLY INFORMATION I WANT ON MY REPORTS DELETE ALL OTHER INFORMATION IMMIDIATELY.

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 2023-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: GA

Complaint narrative:
XXXX of this year, an account with Westlake Portfolio Management appeared on my credit report in the amount of over {$8000.00}. 

I have never been the owner of a XXXXXXXX XXXX  XXXX, nor have I signed as a co-signer for anyone. 

Please have this account deleted and removed 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 explanation