vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
According to 15 USC 1681 ( a ) ( 4 ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. However, Transunion, XXXX, and XXXX have failed in their responsibility to fulfill this requirement. They have furnished information that does not reflect my actual credit behavior, which is not only erroneous but also damaging to my reputation and financial opportunities. 
As a consumer, I am entitled to fair and accurate credit reporting under federal law. I have diligently followed the proper procedures to dispute the inaccuracies, but the financial institution 's refusal to correct the errors and the consumer reporting agencies ' lack of thorough investigation have caused significant harm to my creditworthiness and overall financial standing. 
The inaccuracies present in my credit reports include : Outdated information : Some of the reported information is outdated, such as closed accounts being listed as active, which further hampers my creditworthiness assessment. 
Reporting of late payments that were never made : Several accounts on my credit report show late payments, but I can confirm that these instances are incorrect. I have always made timely payments and have records to substantiate this claim. 
I have diligently tried to resolve these issues by disputing the inaccurate information through the credit reporting agencies ' dispute processes. However, their responses have been unsatisfactory and merely result in re-verifications of the disputed information without proper investigation.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, 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.

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 a 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 2023-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: WA

Complaint narrative:
I have no outstanding debt in arears and have NEVER defaulted on a debit. I receive multiple calls from MRS associates a day leaving a message to call them about a time sensitive issue. I block the calling number and then receive the same message from a different number, leaving a message in a different voice but exact same script. 

I am not going to return their call because I do not owe any past due bill/debits/loans.. If I truly am the person they want to talk to they can send a letter describing the issue and I'll gladly reply telling them they have the wrong person. 

I assume they are fishing for someone with a similar name or were given my name in error. Either way until they provide context for their call in their message, which they won't because it is an automated dialer/message, I will continue to ignore them and block their number.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX DATE ( XX/XX/2023 ) {$560.00} -XXXX XXXX XXXX OPENED DATE ( XX/XX/2023 ) {$220.00} XXXX XXXX XXXX OPENED DATE ( XX/XX/2023 ) XXXX I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX DATE ( XX/XX/2023 ) {$560.00} XXXX XXXX XXXX OPENED DATE ( XX/XX/2023 ) {$220.00} XXXX XXXX XXXX OPENED DATE ( XX/XX/2023 ) XXXX I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am a United States citizen and have been for all XXXX years of my life. I say that to say that as a citizen of the U.S there are laws you have to abide by. Equifax is breaking some of those laws by reporting improper information. As a business of their statute, they should be held to higher expectations of these laws. Instead, they choose to break them and only listen to one side of a situation, they only care about what their source of information and not the consumer. That's not right, I want to purchase a home for my family and I can't because of the information they are reporting.

Equifax is governed by 15 USC 1681. They have been violating my rights for years and I need it to stop today. I demand that the following accounts be deleted from my credit report.

15 USC 1681b ( a ) ( 2 ) clearly states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is the Law and I have never given written instructions to report any accounts or my personal information. 

Accounts 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX XXXX XXXX I've been disputing these accounts since XX/XX/2022. They always say that these are my accounts but they are not and they have no written instructions by me to report theses accounts. They are the only credit bureau reporting this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fairway Independent Mortgage Corporation
State: CA

Complaint narrative:
I contacted Fairway Mortgage about a XXXX forbearance on XX/XX/2023 and I was told the representative couldn't help me and I got a call back from management and they wouldn't put me onto forbearance. I was down to my last dollar and the issue was that the roof was damage with siding and I didn't have funds to fix it. I have a tenant in place that I reduced their rent for and just a matter of time when they will leave and the unit will be vacant and I can't find a renter for the unit until the residence is repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
XXXX XXXX assigns and transfer a deed of trust from XXXX XXXX XXXX to Bank of New York Mellon a deed of trust instrument # XXXX recorded in XXXX XXXX records in California on XXXX. 
The address and information in this assignment is from debt collector, The debt collector XXXX XXXX XXXX XXXX  made false representation about, this assignment. 
XXXX XXXX XXXX  are collecting on a trust that is been charge off on XXXX and when they receive the debt was already on time bare to collect. 
I want bank of New York Mellon to release this loan that is not in their book entry. 
And XXXX XXXX XXXXXXXX XXXX rescind the corporate assignment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Burke Moore Law Group, LLP
State: GA

Complaint narrative:
Complaint Against XXXX XXXX XXXX XXXX for Violation of Fair Debt Collection Practices Act ( FDCPA ) I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ) during their debt collection activities. On XX/XX/2023, I received a letter from XXXX XXXX XXXX XXXX, and I believe they failed to provide me with a dispute address or option, thereby infringing on my rights as a consumer. 

Details of the Complaint : - Collection Agency Name : XXXX XXXX XXXX XXXX ; Firm Contact # XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA, XXXX. On letter, collector is seeking to Collect a lump-sum amount {$2200.00} out of alleged balance of {$3200.00} electronically to XXXX XXXX XXXX 
XXXX : The letter was dated XX/XX/2023 - XXXX  : The letter sent by XXXX XXXX XXXX XXXX XXXX not include any information regarding a dispute address or the option to challenge the validity of the debt, which is a clear violation of the FDCPA. 
- Request : I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX to ensure their compliance with the FDCPA. Additionally, I urge the collection agency to rectify their actions promptly and provide the necessary dispute address, as required by law. 

I am deeply concerned about the collection agency 's failure to provide me with essential dispute information, denying me the opportunity to verify the debt 's validity. This conduct is in direct violation of the FDCPA, which is designed to protect consumers like myself from unfair and deceptive debt collection practices. 

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and look forward to a thorough investigation and resolution. If any additional information is required from my end to assist in the investigation, please do not hesitate to contact me. 

Thank you for your prompt attention to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX, I received notices from lenders who declined to grant credit to me even though I never applied for credit with them. They stated that they received my credit information from Experian. This surprised me because I had frozen my credit reports with all three credit bureaus in XXXX. When I attempted to log on my account at Experian to refreeze my report, I discovered the my password didn't work. I believe a hacker took over my online account at Experian and had my report unfrozen and proceeded to apply for credit in my name. On XX/XX/XXXX, I sent a letter to Experian requesting that my report be frozen again. ( I had also previously asked for a fraud alert to be placed on my account. ) On XX/XX/XXXX and XX/XX/XXXX, Experian wrote me and said my report had been frozen. But on XX/XX/XXXX, I received an email from Experian stating that my report had been unfrozen again. I supect the hacker had once again used my hijacked online account at Experian to have the report unfrozen. 
On XX/XX/XXXX, I again wrote to Experian requesting that my report be frozen again and that my online account at Experian be XXXX. Since late XXXX I have received numerous notices from lenders declining credit applications which I did not make. These notices stated that my credit report had been obtained from Experian. I demand that Experian permanently freeze my credit report and permanently disable my online account and prevent any future online account from being established in my name. It appears that the hacker had somehow obtained my social security number and date o birth.

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 2023-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
This company has a collection that is not mine that is reporting on my credit report. However it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX  This is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am on ssXXXX ssXXXX and i use chase as my deposit account. i live in XXXX wa a very small town with only XXXX chase atm and its only available during the hours XXXX XXXX XXXX XXXX and located in the center of town. to use that atm its free but any other i get charged the fee of that atm plus chase charges a non chase atm on top of that. i should not be charged to access my funds ( gov funds ) and when i am they should credit me for it each month. chase has not been doing that, i have been a member of chase for 3 years and they have only refunded one fee of {$3.00} in that time for non chase fees. i requested a refund and have been repeatedly denied. 
also i cant use mobile banking because my phone number was exposed to a scammer and i got a scam text. i did not fall for it and knew it was a scam right away. i notified chase about this and they disabled my mobile banking and wont let me update to my new phone number without a phone call. i dont have TTY device and they refused to let me update this without a phone call I AM XXXX  and they have it noted and refuse to accommodate so i can use mobile banking while my old disconnected number is on file and cant be updated leaving my account at risk. 
they have refused me assistance in this matter repeatedly and have done nothing but request a phone call knowing i am XXXX 
they are in violation of ada and taking my fees and not returning like they should is stealing my government money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Adverse Action and defamation of character LVNV Funding I, the consumer and natural person, was a victim of identity theft, by XXXX XXXX XXXXXXXX XXXX XXXX XXXX discharge the debt 1099C and then sold the debt to LVNV Funding. 

Adverse Action against consumer is against the law according to the equal credit opportunity Act which is codified in 15 U.S.C. 1691c and pursuant to civil Liability under U.S.C. 15 1692k you are subject to criminally liability for violating 15 U.S.C. 1691c as I have been discriminated and defamation of character by XXXX XXXX and LVNV Funding in response I received from XXXX XXXX and LVNV funding of discharge of debt 1099C XXXX XXXX  and LVNV Funding is in violation of the 15 U.S.C. 1642 U.S.C.1681m and CFR 1002 the parties XXXX XXXX and LVNV funding iusse application without buy knowledge and both parties also discharged debts and but that credit was not issued to me Futuremore because my social security number ( credit card was used and I received no benefits but defamation of character and inaccurate reported and harassed and garnished my pay check. This is proof of fraudulent activity ( anathourtized use of credit card on behalf of LVNV funding and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Requested to remove PMI from my mortgage as the housing values have gone up exponentially over the past 2 years. Paid for a XXXX  and the appraiser used comps that I do not agree with due to the year built of the properties which does not correlate to newer builds. I disputed this with comps that were provided and it was denied due to homes not being as near as the XXXX comps but are more clearly similar due to year built.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This company XXXXXXXX XXXX  XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. 

*Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

*Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case in the attachments

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