vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have had it with XXXX XXXX XXXX XXXX deceitful and unlawful activity. I have been dealing with their scamming for over 3 months now. They do nothing but scheme and lie more to cover up the original scheme and lie, in response to something. XXXX XXXX XXXX is not receiving another XXXX from me. I'm done. I am not paying them more money to take a loss on fake credits and {$1100.00} in payments. And ruining my credit for 7 years, based off a lie a payment was missed. And if XXXX is messing with my account # XXXX to respond to the complaint on XXXX, they are going to have a major issue. I shouldn't have to pay for an atty to deal with them, when CFPB has enough information already to know XXXX can't turn a collectable debt into an uncollectable debt, just by lying so they can charge it off. If I have to get an atty myself, I will. I'm done Bank XXXX XXXX! Please CFPB, hold them accountable and force them to own up to what they did. This is being added because of XXXXXXXX XXXX response to the complaint on XXXX XXXX XXXX XXXX XXXX XXXX had no right to give my account XXXX XXXX information to XXXX to start with much less have XXXX give that information to someone else. Bank XXXX XXXX was very capable of providing that information, without XXXX requesting information on account # XXXX themselves. Why is a third party debt collector so interested in getting information on an account they don't own, XXXX XXXX XXXX? XXXX needs XXXX to respond about an account that isn't delinquent that had nothing to do with the actual complaint, why? How is it legal for XXXX to just give anyone information about an account they have no reason to have information on? And the fact that Transunion filed a fake dispute on it, that I never did, because there is absolutely nothing to dispute. I am providing the actual dispute that is still sitting open. Along with proof Transunion has blocked me from accessing the statement, so I can not do the 100 word statement I have a right to be able to do. Why is XXXX responding to a complaint on account XXXX XXXX  they do not have, instead of actually responding to the complaint on account XXXX XXXX XXXX is also 100 % aware that XXXX XXXX  is not the " second account '' I was referring to. This is being added before XXXX XXXX XXXX comes up with more lies and fake documents.

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 2024-07-21 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: Capital Management Services, LP
State: WI

Complaint narrative:
I have had it with XXXX XXXX XXXX XXXX deceitful and unlawful activity. I have been dealing with their scamming for over 3 months now. They do nothing but scheme and lie more to cover up the original scheme and lie, in response to something. XXXX XXXX XXXX is not receiving another XXXX from me. I'm done. I am not paying them more money to take a loss on fake credits and {$1100.00} in payments. And ruining my credit for 7 years, based off a lie a payment was missed. And if XXXX is messing with my account XXXX XXXXXXXX to respond to the complaint on XXXX, they are going to have a major issue. I shouldn't have to pay for an atty to deal with them, when CFPB has enough information already to know XXXX can't turn a collectable debt into an uncollectable debt, just by lying so they can charge it off. If I have to get an atty myself, I will. I'm done Bank XXXX XXXX! Please CFPB, hold them accountable and force them to own up to what they did. This is being added because of CMS 's response to the complaint on XXXX XXXX XXXX XXXX XXXX XXXX had no right to give my account XXXX XXXXXXXX information to CMS to start with much less have CMS give that information to someone else. XXXX XXXX XXXX  was very capable of providing that information, without CMS requesting information on account XXXX XXXXXXXX themselves. Why is a third party debt collector so interested in getting information on an account they don't ownXXXX XXXX XXXX XXXX XXXX needs CMS to respond about an account that isn't delinquent that had nothing to do with the actual complaint, why? How is it legal for XXXX to just give anyone information about an account they have no reason to have information on? And the fact that XXXX filed a fake dispute on it, that I never did, because there is absolutely nothing to dispute. I am providing the actual dispute that is still sitting open. Along with proof XXXX has blocked me from accessing the statement, so I can not do the 100 word statement I have a right to be able to do. Why is CMS responding to a complaint on account XXXX XXXX they do not have, instead of actually responding to the complaint on account XXXX XXXX. CMS is also 100 % aware that XXXX XXXX  is not the " second account '' I was referring to. This is being added before XXXX XXXX XXXX comes up with more lies and fake documents.

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 2024-07-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize XXXX XXXX to make an inquiry on my report nor do I have knowledge of this report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: DE

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: DE

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-21 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: FL

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX XXXX XXXX NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. CFPBXXXX ] XXXX XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: FL

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer.

The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX XXXX XXXX NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. CFPBXXXX ] XXXX  XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action 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 explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
Took loans out on Mobiloans around XXXX and they charged more then XXXX in interest

Company response to consumer: Untimely response
Consumer complaint received 2024-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I bought a bikini worth {$1100.00} from XXXX on XX/XX/XXXX and never received the package. I disputed the money in Chase. But it was rebilled on XX/XX/XXXX. I checked XXXX 's order website and it showed that the package was returned to XXXX and it would be refunded to my bank in XXXX weeks. On XX/XX/XXXX, I received a refund of {$580.00}. I contacted customer service to ask why the refund amount was not {$1100.00}. He told me that my return was damaged. I never received the package. I asked XXXX to give me proof of the damage, photos or videos. XXXX refused to give me proof and I went to Chase to dispute the bill. I disputed with Chase 4 times and provided all the customer service chat records and order information. Chase closed my dispute 4 times over the phone and told me that I had to bear the loss myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: OH

Complaint narrative:
I recently reviewed my credit report and I found that there are a lot of fraudulent and inaccurate items being reported, please see attached documents.

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 2024-07-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have no knowledge of this inquiry neither did I authorize it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: NEW YORK COMMUNITY BANCORP INC
State: WA

Complaint narrative:
I have done major home improvement inside and outside and business is running in my home. I requested them to remove my PMI after renovation a couple of times, but I was told they could not cancel before 2 years even if the LTV is less than 80 %. They sent the appraisal last month and valued the property is LTV 78.2 % which seems biased because the appraisal value is less than the improvements. Flagstart has sent me a mail claiming that LTV should be below 75 % to cancel the PMI. 
So, to cancel the PMI, LTV must be below 75 %?

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 2024-07-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize XXXX to put inquiries on my credit report neither do I have any knowledge of them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Subject : Urgent Request for Resolution To whom it may concern, I am writing with the utmost urgency regarding the complaint I filed with the CFPB on XX/XX/2024. XXXX. I am requesting an immediate and satisfactory resolution to the inaccurate information on my credit report I disputed. Transunion said that they are unable to locate my credit report. I don't believe that because Transunion has sent me several copies of my credit report through my email that I have on file. Transunion continuously being unresponsive and unhelpful in this matter. Transunion is legally required to respond to the CFPB complaint within XXXX days. The FCRA law requires Transunion to investigate and resolve dispute information in a timely manner. Transunion 's failure to do so within the prescribed time frame would constitute a violation of the FCRA law. I have sent in copies of previous correspondence with Transunion, as well as supporting documentation to this issue. Failure to resolve this matter, I am prepared to escalate this complaint to my XXXX XXXX and I will further pursue all legal action under the FCRA.

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 2024-07-21 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: CL Holdings LLC
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request LVNV FUNDING provide me with competent evidence that I have any legal obligation to pay LVNV FUNDING a balance of {$1700.00}.

At this time, I will also inform LVNV FUNDING that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by LVNV FUNDING or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If LVNV FUNDING are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.

Also, during this validation period, LVNV FUNDING must provide the proper documentation in regards to the following 4 questions below : 1 ) SEND ME A DETAILED LIST OF ALL THE HISTORY OF PAYMENTS MADE BY ME ON THIS ACCOUNT # XXXX. 

2 ) I WANT TO SEE THE SIGNATURE THAT I PUT ON A CONTRACT GUARANTEEING I WOULD PAY LVNV FUNDING LLC.

3 ) I WOULD LIKE TO SEE ANY INSURANCE CLAIMS FILED ON THIS DEBT.

4 ) I WANT PROOF THAT LVNV FUNDING LLC HAS THE CHAIN OF TITLE TO COLLECT ON THIS DEBT. 

Without any of the following questions being answered and without proper documentation from LVNV FUNDING. The consumer will not have been afforded his right to due process.

Company response to consumer: Closed with explanation