vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
My mortgage company sold my mortgage to another mortgage company. Their action lowered my credit score through XXXX now saying due to the time I have had my mortgage. I have never made a late payment, I always pay more than the minimum amount due and I did not ask for a change in companies. Why should I be penalized in any way just so a mortgage company wants to make more money? My mortgage has been sold 4 times in less than 12 years. I would guess because I have a very low interest rate. 
I will never be able to change this abusive practice as I am XXXX XXXX XXXX and will probably die before they continue to sell my mortgage keeping my score lower. I have no other debt.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: EQUIFAX, INC.
State: MI

Complaint narrative:
I looked at my report back on XX/XX/2024, 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. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these accounts open dates are not reporting correctly, date last active, date of last payment is not correct, these accounts are not accurate. 
Ive sent several letters on XX/XX/2024 asking them to reinvestigate these accounts No response nothing was modified. 
So I requested a description of the reinvestigation and they do not provide itbto me which is a violation of 15 USC 1681 -17

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Theres some unauthorized hard inquiries on my credit report that I dont recognize. I never made any inquiries with those businesses. They did not get my permission to look at my credit. The credit bureaus violated my right and shared my credit information with those businesses. I contact the credit bureaus to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures

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 2024-03-22 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: TX

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 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 U S DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX  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 2024-03-22 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: TX

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 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 U S DEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX  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 non-monetary relief
Consumer complaint received 2024-03-22 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: IL

Complaint narrative:
I have no business with XXXX XXXX XXXX Acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions. The original account is past the XXXX of reporting according to the state of illinois

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 2024-03-22 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: IL

Complaint narrative:
I have no business with XXXX XXXX XXXX Acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions. The original account is past the XXXX of reporting according to the state of illinois

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 2024-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
in 2022, PHH mortgage double paid the property taxes. Then they hit me a negative escrow charge & I lost the interest income that would have come had they not made a mistak. PHH mortgage did not service my loan and failed to catch & correct their mistake

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 2024-03-22 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: NJ

Complaint narrative:
The Account, : XXXX XXXX Is not mine, i have never lived at the address that is associated with this account, which is, XXXX XXXX XXXX XXXX, PA XXXX. Someone open this account in my name, unauthorized and without my knowledge, please remove this fraud account Attached is proof

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 2024-03-22 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: AZ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-03-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days. This credit dispute is being submitted as a notification of creditors who are in violation of the XXXX XXXX during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the XXXX XXXX or do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I requested that following addresses be removed as I have been a victim of fraud : XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD I also requested to have my former employer removed due to fraud ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian continues to improperly put the wrong name on my credit report. I have sent them via certified mail the proper credentials ( Driver license and Passport ) with my proper birth name. The continued acts of putting the wrong name on my report is a violation.

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 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is concerning my JP Morgan Chase Amazon Prime Visa ending in XXXX, but as a result of fraud changed to XXXX. I had over {$1200.00} in Fraudulent Transactions made on my Amazon Visa Card. That was resolved quickly by the Fraud Department. However, there were also a number of returned payments that were not made by me, thus making them Fraudulent. Although I included them in the fraud claim with the other transactions, the Fraud Department Investigator said there was nothing they could about the return payments. Again, these payments were NOT made by me. I have tried repeatedly to speak with JPMCB about his matter, yet no one seems to know who I need to talk to or what department I need to be handed off to. I have literally spent hours on the phone with them within the past 2 weeks. Most of the customer service reps are rude and refuse to help me resolve the matter even when I ask to be transferred to a supervisor or escalation department. In fact, I've had them hang up on me twice when I have asked to speak to a supervisor. Thers is NO WAY I am XXXX months behind on my payment. Especially, since I had what amounted to a XXXX deferment from XXXX to XXXX. Furthermore, the seem to want to know about finding how or why all of these Fraudulent, returned payments came about in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Theres some unauthorized hard inquiries on my credit report that I dont recognize. I never made any inquiries with those businesses. They did not get my permission to look at my credit. The credit bureaus violated my right and shared my credit information with those businesses. I contact the credit bureaus to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures

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 2024-03-22 00:00:00
Product: Mortgage — Other type of 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: Sunnova Energy Corporation
State: TX

Complaint narrative:
18 months ago I had a solar panel go out. It took them 2 months to fix it. 3 days later I noticed next panel out. Said needed parts and took over 4 months. 3 days later I noted a XXXX panel out and it took 4 months to get to house. Tech came out and said either critters on roof did damage or the wind did it from wires moving. Said he couldnt fix that day it will need a crew to help. He also stated this happens often and it would be covered. On XXXX XXXX, 2024 I noticed system turned off and not reporting. Several phone calls and over XXXX emails I still dont have system operational. It is only XXXX of XXXX panels. I tried to not pay the $ XXXX  monthly charge and got threatening letters. Since I need good credit, I had to pay, and continue to pay for a service that was turned off. XXXX XXXX needs looked into as they are doing this to many.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-03-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I have two problems in the same scenario. 
XXXX. ) I have had many HELOCs with PenFed Credit Union over the years, always to merely have one open for emergency situations. I've never paid an annual fee, although they stated it was listed in my closing documents. On my XXXX statement, I saw a {$99.00} fee. I called to inquire about it ; the first person I spoke to couldn't answer. Then I received a call back from a manager ; he didn't have a complete answer as to why I've never been charged a fee, so he had to research it. He thought it might have been to PenFed suspending fee collections while COVID was present, so I asked if any notice was sent and when because I hadn't heard about that. He researched it, called me back and confirmed it had been suspended due to COVID and they didn't send a notice because it " benefited the members ''. I stated it felt like PenFed is arbitrarily choosing when and what to enforce in the contract since I had not been notified of these changes, nor agreed to them. I posed the idea, " what would happen if I chose not to make a payment XXXX month because I'm choosing to spend my money elsewhere? ". A contract is not much of a contract if either party is allowed to change/alter/suspend/terminate, etc all or parts of the terms/conditions without informing and receiving consent from the other party. 

2. ) I understand the fee is in the loan documentation, but I do not agree to allowing PenFed to arbitrarily suspend or enforce when they see fit. When I attempted to pay the fee through PenFed 's online banking portal, I can see my available line of credit is reduced, yet no balance is reflected online ; however, the XXXX statement did reflect the balance. I inquired about this with the manager and asked how I'm supposed to make a payment. I was informed that if there is no principal or interest due on a HELOC that a call is required by the consumer to call into PenFed to have a payment manually processed or a check must be written and mailed in with the statement/payment coupon. None of this process is outlined anywhere.

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 2024-03-22 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: IL

Complaint narrative:
Several Errors for An Alleged Debt are On My TransUnion and XXXX Consumer Reports.

Date Opened can not be XX/XX/XXXX On My TransUnion XXXX Report AND also be XX/XX/XXXX on My XXXX Consumer Report. 

The Account Is Listed as A Charge Off Therefore there Can not be a Balance of {$790.00} AND a Past Due Amount of {$790.00} listed on XXXX XXXX TransUnion and XXXX XXXX Reports. 

No Account Can Be Listed as Charged Off as Bad Debt AND Canceled by XXXX AND Closed Due to Inactivity AND Reprted As A Loss by the XXXX XXXX AND XXXX in the Legend as CO for Every Month from XX/XX/XXXX through XX/XX/XXXX. 

Violations of My Consumer Rights include : XXXX CO XXXX XXXX. 
Not Reflecting a XXXX XXXX after XXXX has Been Sold. 
Not indicating XXXX the Account was Sold. 
Errors Across Multiple Consumer Reports. 
Attempts to Collect a Debt after the State of Illinois Statute of Limitations for Debt Collection has passed.

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 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I paid XXXX XXXX {$370.00} via XXXX on XX/XX/24 for a XXXX XXXX console and accessories. XXXX XXXX never shipped the items, relisted the items for sale, and refused to refund me my money. 

On XX/XX/24 XXXX refused to refund me or reverse the transaction. 

On XX/XX/24 Chase Bank refused to dispute the charge saying it's my fault for being scammed.

Company response to consumer: Closed with explanation