vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a prior complaint to you reference number is XXXX, on XX/XX/2022 and my compliant was not resolved, I resubmitted my dispute to the credit bureaus, and I received an update from the credit bureaus online saying that the accounts I am disputing accounts XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, I requested that they forward me all the documentation in regards to this investigation, this account is inaccurate and my consumer rights are being violated because the credit agencies are refusing to answer my request to provide me via US Mail all documentation in this investigation and the methods used to verify these erroneous 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 explanation
Consumer complaint received 2023-06-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts 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, 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 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.

Also, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 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 2023-06-01 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: LA

Complaint narrative:
See attached I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I believe I have been the target of fraud. On XX/XX/XXXX, I noticed a pending account transfer of {$7.00} from XX/XX/XXXX XXXX XXXX to my Chase checking account. At XXXX XXXX  ( on XX/XX/XXXX ), I called Chase Customer Service ( XXXX ) to alert them of the suspicious transfer because I have never conducted business with XXXX. Specifically, I have never made a purchase from XXXX, I do not have an account with XXXX, and I have not shared any of my Chase account information with " XXXX. '' ( However, when I was the victim of online debit card fraud on XX/XX/XXXX, someone made a purchase of {$200.00} from XXXX XXXX XXXX. This money was refunded to my checking account by " XXXX '' because I submitted a fraud claim with Chase. ) The Chase representative recommended that I contact XXXX directly to inquire about the transfer, and she did not classify the transfer as possible fraud. I was dissatisfied with this outcome and uncomfortable with her recommendation about contacting XXXX directly because again, I have never conducted business with XXXX. Therefore, I called Chase Customer Service again the next day ( XX/XX/XXXX at XXXX XXXX ) because I was still concerned. This time, the situation was escalated to the Chase fraud department and a case was opened ( claim number : XXXX ). Moreover, the Chase fraud agent recommended that I close my checking account by visiting a Chase branch and leave the {$7.00} in my account so that it could be available to be returned to XXXX. I followed this recommendation. Chase representative, XXXX XXXX, helped me submit a pend close request on my account ( on XX/XX/XXXX ). Currently, my account has {$7.00}. 

On XX/XX/XXXX, I received an online letter from Chase informing me that they found that the transaction ( s ) was processed according to the information you provided or was authorized and that No adjustment will be made to your account at this time. On XX/XX/XXXX ( at XXXX XXXX  ) I was notified via email by Chase about this letter. So, on XX/XX/XXXX, I called the Chase Customer Claims Department ( XXXX ) at XXXX XXXX  ( and again at XXXX XXXX  because the call got disconnected ) to further inquire about the claim outcome and dispute it because I did not authorize the {$7.00} transfer. The Chase representative was unable to help me further with the claim. Therefore, on XX/XX/XXXX at XXXX XXXX, I called the CFPB ( XXXX ) for guidance on my situation. The CFPB representative listed my options of reporting XXXX to the Federal Trade Commission ( FTC ; reportfraud.ftc.gov ) and reporting Chase to the CFPB. I will follow these reporting options. My FTC report # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: FL

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX I Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

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 2023-06-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This account should not be furnished on my consumer report nor through your internal system as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY. 

Credit Card : {$690.00} dollars Charge Off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: Experian Information Solutions Inc.
State: NV

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 should show never late, has MO child support XXXX, MO child support XXXX, XXXX  XXXX, Child Support Enfmnt XXXX 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 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

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 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
They have yet to update the account 's status on my credit report. This account has been paid off as of XX/XX/, 2023, and they are showing a balance is still owed as of XXXX XXXX, 2023, which has a negative impact on my credit score.

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 2023-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
account not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Community Loans i want to know who instructed you to forward my mail as follows? 
XXXX XXXX XXXX C/O : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Property Address : XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
Someone opened a account in my name> I notified the company that i have never had a account with them. I was also protected through Covid protection with my real creditorsas they would have also had to follow the Covid guidelines & nothing was to be reported to my credit. But this company reported ( 5 ) accounts that are not even mine. I have never received any letters or call. I don't have a contract with Affirm or any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
COLLECTIONS ADDED TO ALL THREE COLLECTIONS BUREAUS-XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND IT IS PAID. PLEASE REMOVE FROM ALL THREE BUREAUS. 
XXXX. XXXX XXXX. EQUIFAX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I purchased a contract for services from the United States from its Bankruptcy Court, XXXX  XXXX XXXX XXXX to have my original 2008 XXXX XXXX discharge honored. 
Case nos. XXXX XXXX case XXXX, current cases. 
The judge and clerk refuse to recognize their own courts prior order. 
I attach files as duly served to the U.S Trustees Office, the Bankruptcy Court under and appeal from order, the United States Attorney office, the USDOJ Civil Rights Division, FTC, SEC AND IRS.

Please provide me a case file number so further activities in this matter could be presented as evidence.

My civil rights have been trespassed upon under both civil and criminal statutes as exposed by attached.

I believe I am a consumer of government services paid for and have been defrauded, mislead, denied access to my contract rights and protection of the bankruptcy law and ADA requirements to have my assistance speak for me.

Files attached.

Please provide me a case number for further filing reference.

The below list are recipients of these same files and complaints.

USDOJ Civil Rights Division.

USDOJ U.S. Trustees Program Securities Exchange Commission Federal Trade Commission Bankruptcy Appeal IRS

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 2023-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Figure Technologies, Inc
State: OR

Complaint narrative:
Dear CFPB, We would like to lodge a complaint about Figure Lending! They are extorting money. 

We rightfully obtained a Figure HELOC last fall for {$110000.00}, and that money is now being withheld from us without any appeal or recourse. 

We understand the policy of witholding funds due to a steep decrease in home valuation. However, we believe the valuation Figure did is false and inaccurate. The values of homes in our town actually went UP in the last year. 

We and our loan officer with XXXX  XXXX ( one of Figure 's partners who referred us to Figure ) XXXX XXXX, just got off a conference call today, XX/XX/2023 with XXXX XXXX at Figure. XXXX is indicating that they pull a new automated valuation any time a draw is requested. We were not made aware of this when we paid {$4200.00} to have access to these funds. He said there is no appeals process or recourse, and we are now without access to these funds OR a way to appeal the decision, which we believe is due to a false valuation. 

We are under contract with an investment property for which those funds are a down payment and have multiple people counting on us! We had put the funds back just 1.5 months ago after the last draw and no one told us we should keep them in case the redraw was denied! 

We have been a big advocate for the Figure HELOC loan product and am now going to have to speak loudly and publically on social media to warn people NEVER to use this product or this company unless we receive a resolution! Between us we have XXXX followers on XXXX, and will not hesitate to use our large audience as a platform to spread the word. 

This feels like this is predatory. This loan was funded only 6 months ago, and the values in our area ( XXXX, Oregon ) have only gone UP since then. They have not gone down {$80000.00} in just 6 months, which is what the company is saying. This is just not accurate. 

It feels like they are wanting to make us pay the fees for a new loan instead of giving us access to these funds. 

This is NOT acceptable. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC
State: CA

Complaint narrative:
someone used my information to open an account with XXXX XXXX and it wasn't under my consent nor did I give anyone my consent to make this payment. I had filed a report for fraud years ago about this situation but no one has reached out to me about this nor did anyone help me settle this situation and it is preventing me from applying for loans, credit cards, etc I need this matter to be solved as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have disputing with Transunion since last year with the Bankruptcies that is on my consumer report, yet it still has been a life burden on me and my family. I have disputed the bankruptcies for so long and it aleay came back verified. The method of verification, that they provided to me was thru XXXX XXXX. My credit file has been frozen since last year with XXXX XXXX, and also I have verified thru XXXX XXXX, that I do not have any bankruptcies on my consumer report. On XX/XX/2023 I made a complaint against them to the CFPB and their ( XXXX ) complete investigation came back ( verified ) like always. I have uploaded the documents of the information that I received from XXXX XXXX. This is my second complaint to the CFPB against Transunion. This has held me bound for too long, because of this. I have been trying to buy me a house and this has damaged my reputation. This is a very stressful ongoing issue of reporting inaccurate accounts .This is also a Violation of 15 U.S.C 1681b.

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 2023-06-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am so upset and freaked out about what is happening to my credit record and myself. Not only is it extremely humiliating, but it is obviously either your responsibility or the fault of the corporation for publishing this false information. Update to paid now or as promised and remove any annotations for late payments.

Company response to consumer: Closed with non-monetary relief