vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 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:
There is a XXXX XXXX. on my XXXX credit file that is in collection for {$820.00}. This is a problem account because I do not recognize this creditor as someone I took credit from. The other problem is that when I try to dispute this account with XXXX, there system tries to tell that the account is called XXXX XXXX XXXX. XXXX remove the XXXX XXXX from my credit profile.

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 2024-08-29 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:
There is a XXXX XXXX. on my Experian credit file that is in collection for {$820.00}. This is a problem account because I do not recognize this creditor as someone I took credit from. The other problem is that when I try to dispute this account with Experian, there system tries to tell that the account is called XXXX XXXX XXXX. XXXX remove the XXXX XXXX from my credit profile.

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 2024-08-29 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: TX

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: CA

Complaint narrative:
I am filing this complaint because several fraudulent accounts remain on my credit report despite my efforts to have them removed. I have already filed an FTC Identity Theft Report regarding these accounts, but they continue to appear on my report, causing significant harm to my credit. 

These accounts were fraudulently opened in my name without my consent or knowledge. Despite submitting the FTC Identity Theft Report and notifying the credit bureaus, these fraudulent accounts have not been removed. This ongoing issue is severely impacting my ability to rent an apartment for my children, as my credit report is being unfairly tarnished by these fraudulent accounts.

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 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-29 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: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
ARVEST BANK ADMITTED TO INTERNAL SOFTWARE GLITCH CAUSING MY PERSONAL ACCT AUTO PAYMENTS TO BE COMPLETELY REMOVED FOR ALL FUTURE PAYMENT SET UP DATES WITHOUT MY KNOWLEDGE. INSTEAD OF FIXING ISSUE WITH CUST THEY REPORTED 30 DAY LATE PAYMENTS CAUSING XXXX DECREASE IN MY PREVIOUS IMMACULATE CREDIT! ARVEST ADMITTED TO THEIR ERROR BUT REFUSED TO UPDATE ACCT TO REFLECT NEW DUE DATES CAUSING MORE ISSUES WITH PAYMENTS. THE GLITCH CAUSED LATE PAYMENTS BECAUSE I WAS UNAWARE THAT AS A BALANCE ERASER LOAN CLIENT IT HAD AFFECTED MY ACCOUNT BY DELETING INFORMATION BUT MOST IMPORTANTLY REMOVING THE AUTO PAY ALREADY SET UP. I FOUND OUT BY CREDIT NOTIFICATION ON MY SCORE DECREASING. I'VE MADE OVER PAYMENTS THAT WERE CONSIDERABLY MORE THAN MIN DUE SO OVER PAYMENT COULD BE USED TO PAY OFF ANY LATE AMOUNT AND ALSO I'VE PAID DOUBLE OVER PAYMENTS SOME MONTHS TO COVER ANY HISTORY OF LATE PAYMENTS. THIS SHOULD HAVE BEEN RESOLVED APPROX 2 MONTHS AGO INSTEAD REPORT HAS XXXX AS 30 DAY LATE PAYMENT WHEN I HAVE MADE XXXX PAYMENTS OF {$460.00} TOTALLING over {$920.00} FOR THE MONTH OF XX/XX/year>. THIS IS INCORRECT. MY CREDIT HAS SUFFERED SEVERELY DUE TO THEIR INITIAL NEGLIGENT HANDLING OF MY ACCOUNT STATUS BY DISENROLLING ME OUT OF AUTO PAYMENTS AND DID NOT EVEN INFORM ME UNTIL IT WAS TOO LATE. THIS ISN'T FAIR BUISNESS TO A CONSUMER WHO HAS AN EXCELLENT & RESPONSIBLE HISTORY OF REPAYING ANY LOANS OR CREDIT OWED WITHOUT ANY MISSING OR LATE PAYMENTS. I SUPPLIED SUFFICIENT EVIDENCE AND ARVEST LOG ISN'T EVEN CORRECT WITH PAYMENT DATES THEY NOTED FOR XXXX/XXXX/202 IF YOU LOOK CLOSELY THERE ARE OBVIOUS DISCREPANCIES, I COULDN'T EVEN PROVIDE A THOROUGH EXPLANATION ON XXXX DISPUTE OR UPLOAD ANY EVIDENCE ON MY INITIAL DISPUTE CAUSING MORE DELAY BECAUSE OF TEXT COUNT. I DON'T HAVE MUCH IN LIFE BUT WHAT I DO HAVE I WORKED VERY HARD FOR INCLUDING MY CREDIBILITY AND COMMITMENT TO PAYING ALL DEBTS IN TIME. PLEASE HELP BY MAKING ARVEST ACCOUNTABLE FOR THEIR ERRORS IN THEIR INITIAL GLITCH CAUSING MULTITUDE OF ISSUES FOLLOWING RESULTING IN MY PERSONAL CREDIT DECREASING SEVERELY. I PLAN ON LOOKING FOR A HOME THIS YEAR AND I CAN'T AFFORD TO HAVE ANY NEGATIVE ATTENTION TO MY CREDIT REPORT. I HAVE AUDIO RECORDING OF CONVERSATIONS WITH ARVEST AND VISUAL EVIDENCE PERTAINING TO ARVEST BANKING ERRORS FOR ALL BALANCE ERASER PLAN CONSUMERS AVAILABLE UPON YOUR REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Act. number XXXX Open XX/XX/XXXX amount {$580.00}, LVNV Funding ( XXXXXXXX XXXX XXXX XXXX ) account number XXXX XX/XX/XXXX {$380.00}, LVNV Funding ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Act. Number XXXX XX/XX/XXXX {$810.00}, and XXXX ( XXXX XXXX XXXX XXXX XXXX ) Act. number XXXX XX/XX/XXXX $ XXXXThey could not provide me with the original contract. I asked them for the purchase agreement of the debt and XXXX with the original creditor, verification of the last payment missed. They could not provide me with any information, and nothing had my signature on it, they could not validate the debt. Codes 15 USC 1692g and 15 USC 1681c-2. I

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: TX

Complaint narrative:
I filed a dispute with all three credit reporting agencies namely Experian, XXXX XXXX and XXXX regarding inaccuracies to my credit report. Experian removed the following account XXXXXXXX XXXX XXXX XXXXXXXX and then reinserted it as accurate. The other reporting agencies namely Experian and XXXX deleted this account as inaccurate. So therefore Fair Credit Reporting Act ( FCRA ) regulates the reinsertion of account information on a consumer 's credit report. A credit reporting agency can only reinsert disputed information if the data furnisher certifies that the information is accurate and complete. The CRA must notify the consumer with 5 business days of reinsertion. Please furnish me with copies of any and all such certification.

Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

Please furnish me with the required statements and data ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information.

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days

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 2024-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Good morning. 

I would like to know who I contact to file a complaint regarding the mortgage department and their employees. 

My loan number is XXXX My FHA Case number is XXXX I was working with employees XXXXXXXX XXXX and XXXX ( XXXX ) XXXX XXXX 

The following time line of events listed are the best to my knowledge. 

On or about : XX/XX/XXXX, XXXX I was conditionally approved for a mortgage loan of {$65000.00}. 
Again on XX/XX/XXXX. 
XX/XX/year> I withdrew {$650.00} from my bank account for a cashiers check for the title company. 
XX/XX/year> Chase Bank withdrew {$500.00} from my bank account for XXXX XXXX. 
XX/XX/year> I obtained home owners insurance, as I was advised to by my team for {$3300.00}. I have since had that policy cancelled and refunded to my account. 
XX/XX/year> I was told an appraiser would be out to the XXXX property and I would receive the report after the XX/XX/XXXX holiday. 
XX/XX/year> XXXX XXXX contacted me and the discussion ended in me terminating his services and me hanging up on him. 
XX/XX/year> the Appraisal Package was uploaded to the Chase XXXX app. 
XXXX XXXX I received a letter of denial for my loan for the XXXX property. 

For XXXX months I worked with XXXX and XXXX to get all the documents they requested as well as complete actions they asked. 
I was told all the jumping through hoops was because it was an FHA loan and the only loan I qualified for. 
I am now out of pocket {$1100.00} that I could use to close on my new home on XX/XX/year>. Is Chase Bank, XXXX, or XXXX going to refund these funds to my account, since the services I paid for were never rendered? 
After my discussion with XXXX on XX/XX/XXXX, I began working with a new team. I was approved for a loan of {$90000.00}, that was not an FHA loan, as I was told that was the ONLY loan I get approval for. Kinda funny that I began with my new ( better ) team less than a month ago and I am set to close and move in less than XXXX weeks. 
I trusted MY bank to take care of me and put my children and I in our forever home. However, yall failed individually by your employees and as a whole as a banking institution. 
I truly hope the {$1100.00} is refunded to me due to the failure of your entities. 
Also, how can you deny my loan, after I was approved already and terminated my team? I have told several of my friends to not contact Chase for lending. Yall are disgracefully a disappointment. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have made a transfer of XXXX : around {$110.00}, however only {$67.00} was received and {$48.00} was taken by Coinbase as fees. The transaction took over 3 hours to be effected. I was not warned that such a fee would be charged. Generally a common fee would be {$1.00} to {$2.00} ; not {$48.00}. 

Given that this was from a XXXX distribution, it is common knowledge that the Administrators pay Coinbase to Administer XXXX XXXX. 

From experience and reports on fee discrepancies, it is noted that Coinbase does not respond ; hence this complaint to you directly. 

This is required to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because my identity was used to open multiple accounts fraudulently without my consent. Despite taking immediate action by notifying the credit bureaus and providing them with a copy of my FTC Identity Theft Report, these fraudulent accounts and the associated debts continue to appear on my credit report. 
These unauthorized accounts are negatively affecting my credit score and causing significant stress and financial harm. The credit reporting agencies have failed to remove these fraudulent accounts, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit bureaus are required to conduct a thorough investigation and promptly remove any inaccurate or fraudulent information from consumer credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: CA

Complaint narrative:
My credit card and driver licenses was stolen and used without my authorization. Also was new accounts and loans was opened fraudulently.

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 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-08-29 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: IL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-08-29 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: IL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-08-29 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: TX

Complaint narrative:
Late Payment Reporting : XXXX has reported late payments on my student loan account that have negatively impacted my credit score and is in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666b ), which mandates 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 Unauthorized Disclosure of Information : On [ specific date ( s ) ], I was informed that XXXX  disclosed my personal loan information without my explicit consent. This unauthorized disclosure constitutes a breach of the Privacy Act of 1974 ( 5 U.S.C. 552a ), which protects personal records from unauthorized access or disclosure.

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that was enacted in 1974 to protect the privacy of student education records. FERPA applies to all public and private schools, as well as any state or local education agencies that receive funding from the US Department of Education. The law has been amended seven times since its enactment. 
FERPA protects the privacy of students and parents by limiting the disclosure of personally identifiable information from education records. This includes records, files, documents, films, tapes, and photographs. FERPA gives parents certain rights regarding their children 's education records, such as : Inspecting and reviewing records Requesting that records be corrected Having a formal hearing if the school refuses to amend the record Placing a statement with the record When a student turns XXXX or enters a postsecondary institution, their rights under FERPA transfer to them. Students can see everything in their educational records, except for information about other students, financial records of parents, and confidential letters of recommendation.

Examples of FERPA violations include : Accidentally or intentionally emailing student information to unauthorized parties Sharing a student athlete 's academic status with unauthorized parties Sharing a student 's grades or identifying information with unauthorized parties Noncompliance with FERPA can result in the loss of federal education funds.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Late Payment Reporting : XXXX has reported late payments on my student loan account that have negatively impacted my credit score and is in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666b ), which mandates 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 Unauthorized Disclosure of Information : On [ specific date ( s ) ], I was informed that XXXX disclosed my personal loan information without my explicit consent. This unauthorized disclosure constitutes a breach of the Privacy Act of 1974 ( 5 U.S.C. 552a ), which protects personal records from unauthorized access or disclosure.

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that was enacted in 1974 to protect the privacy of student education records. FERPA applies to all public and private schools, as well as any state or local education agencies that receive funding from the US Department of Education. The law has been amended seven times since its enactment.

FERPA protects the privacy of students and parents by limiting the disclosure of personally identifiable information from education records. This includes records, files, documents, films, tapes, and photographs. FERPA gives parents certain rights regarding their children 's education records, such as : Inspecting and reviewing records Requesting that records be corrected Having a formal hearing if the school refuses to amend the record Placing a statement with the record When a student turns XXXX or enters a postsecondary institution, their rights under FERPA transfer to them. Students can see everything in their educational records, except for information about other students, financial records of parents, and confidential letters of recommendation.

Examples of FERPA violations include : Accidentally or intentionally emailing student information to unauthorized parties Sharing a student athlete 's academic status with unauthorized parties Sharing a student 's grades or identifying information with unauthorized parties Noncompliance with FERPA can result in the loss of federal education funds.

Company response to consumer: Closed with non-monetary relief