vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding the mishandling of highly sensitive personal information by Bounce AI , Inc., a company that I recently had an interaction with. 

On XXXX XXXX XXXX XXXX XXXX XXXX, I received an email communication from Bounce AI , Inc . The email contained highly confidential and sensitive personal information, specifically a Social Security number. This transmission of sensitive data via unsecured email raised significant concerns regarding data security and privacy practices. 

The email communication did not employ adequate encryption or security measures to protect the confidentiality of the Social Security number. This action raises questions about Bounce AI 's adherence to standard security practices for handling such sensitive information. 

I am deeply concerned about the potential risks associated with the mishandling of this sensitive data. Transmitting highly confidential information via an unsecured medium, such as email, raises serious privacy and security concerns. 

This incident has prompted me to file a complaint to address the mishandling of sensitive personal information, particularly the transmission of a Social Security number via an unsecured email communication method by Bounce AI , Inc . 

Company Details : Bounce AI , Inc . 

Physical Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I urge the relevant authorities to investigate this matter thoroughly to ensure the protection of consumer privacy and data security. It is crucial to address this mishandling of sensitive information and take appropriate action to prevent such incidents in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IL

Complaint narrative:
Reached out to Aspire loan company because interest rate has changed and yet repayment terms has changed again. I have made 14 years worth of payments however, only being credit for 10 years. Application and contract said 20 years or 220 payments. Lender told me they will not honor two years worth of payments because they were interest only payment. In writing or on the website does it say if you make less then the monthly payment your payment will not count towards your completion of your loan. I am seeking assistance with getting all payments even interest payment recalculated

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 2023-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
on XXXX  I attempted to have funds wired from my IRA account with XXXX XXXX to my brother-in-law 's checking account with Chase Bank. The money was wired in two separate amounts because the IRA consists of two mutual funds. Unfortunately, I made an error in the account number. XXXX corrected the error for one of the transfers, but apparently not in time for the second one. When the first wire transfer went through, the deposited amount was {$50.00} less than the sent amount, but there was no explanation for the discrepancy. When the second wire transfer was returned to XXXX, it was missing {$85.00}. I have called Chase several times as well as messaging them via XXXX. Unfortunately, they will not deal with me since I am not the owner of the recipient account. My brother-in-law has also tried to resolve the problem with them. He was told by a Chase representative the two {$50.00} charges were because the transfer was an International transfer. When I told this to XXXX, they said that the name of the bank they use is XXXX XXXX, but it is based in New York, so there was not an International transfer. Apparently, the other {$35.00} was due to the account number error making the total amount missing in the return {$85.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
All my Federal Student Loans ( XXXX ) were XXXX through the Total Permanent XXXX unit at XXXX on XX/XX/2023. The adverse accounts were all removed from all XXXX bureaus almost immediately following discharge. 

On XXXX XXXX XXXX, all the accounts have reappeared showing me in XXXX day default, and my scores dropped massively.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
All my Federal Student Loans ( XXXX ) were XXXX through the Total Permanent XXXX unit at XXXX on XX/XX/2023. The adverse accounts were all removed from all 3 bureaus almost immediately following discharge. 

On XXXX XXXX XXXX, all the accounts have reappeared showing me in XXXX day default, and my scores dropped massively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
All my Federal Student Loans ( XXXX ) were XXXX through the Total Permanent XXXX unit at XXXX on XX/XX/2023. The adverse accounts were all removed from all 3 bureaus almost immediately following discharge. 

On XXXX XXXX 2023, all the accounts have reappeared showing me in XXXX day default, and my scores dropped massively.

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 2023-12-15 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: GA

Complaint narrative:
XXXX Equifax, and XXXX are reporting incorrect information about accounts that have been opened up fraudulently in my name even though they have sufficient evidence showing that this is true, such as a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: GA

Complaint narrative:
XXXX XXXX, and Experian are reporting incorrect information about accounts that have been opened up fraudulently in my name even though they have sufficient evidence showing that this is true, such as a police 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 explanation
Consumer complaint received 2023-12-15 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: NJ

Complaint narrative:
In XXXX or XX/XX/2023 I sent XXXX XXXX XXXX a NON-NEGOTIABLE NOTICE OF ADVERSE ACTION FOR DENIAL OF CREDIT due to their adverse actions against myself as a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k. 

I originally applied for a line of credit with XXXX XXXX XXXX in XXXX or XX/XX/2023 but was illegally denied. Banks are extending lines of credit based on consumer 's own social security accounts which are linked to the US Treasury. Banks are not loaning their own assets or stocks as this is a violation of 12 USC 83. Banks are simply needed as the intermediate party to allow consumers to access their own credit connected to their social security accounts. 

When I wrote XXXX  XXXX XXXX via certified mail in XXXX or XX/XX/2023 to inform them of the violation, and to give them an opportunity to fix their error, they performed an unauthorized credit check with Experian in XX/XX/2023. In XX/XX/2023 I had not given XXXX XXXX XXXX permission to check my credit report and so this is an additional complaint. 

Most likely with this complaint, XXXX XXXX XXXX will check my credit again without my permission, so I will just request the contact information for the department that accepts litigation notices and summonses to avoid wasting time.

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 2023-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To dispute the fraudulent components on my credit report, I'm writing to you. I did not make the charges associated with these accounts that are shown on my credit record. I filed a complaint with the Federal Trade Commission and included a copy of the Affidavit. Please be aware that my credit report still contains the unconfirmed entries. As required by law, I have not yet received evidence from the original creditors to confirm that the information is accurate and belongs to me. As I haven't had any paperwork from the original creditors, kindly remove the products as soon as you can.

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 2023-12-15 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: GA

Complaint narrative:
To dispute the fraudulent components on my credit report, I'm writing to you. I did not make the charges associated with these accounts that are shown on my credit record. I filed a complaint with the Federal Trade Commission and included a copy of the Affidavit. Please be aware that my credit report still contains the unconfirmed entries. As required by law, I have not yet received evidence from the original creditors to confirm that the information is accurate and belongs to me. As I haven't had any paperwork from the original creditors, kindly remove the products as soon as you can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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: GA

Complaint narrative:
To dispute the fraudulent components on my credit report, I'm writing to you. I did not make the charges associated with these accounts that are shown on my credit record. I filed a complaint with the Federal Trade Commission and included a copy of the Affidavit. Please be aware that my credit report still contains the unconfirmed entries. As required by law, I have not yet received evidence from the original creditors to confirm that the information is accurate and belongs to me. As I haven't had any paperwork from the original creditors, kindly remove the products as soon as you can.

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 2023-12-15 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: MO

Complaint narrative:
I asked for validation from XXXX XXXX XXXX and methods of validation from XXXX, XXXX, and Transunion. NO ONE PROVIDED ME ANY PROOF THIS IS MY DEBT. I submited a complaint with XXXX to have XXXX XXXX provide validation of debt. They refused. Then asked the bureaus for methods so I could see what the debt was for. This needs to be deleted from my credit report immediately.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I asked for validation from XXXX XXXX XXXX and methods of validation from Experian, XXXX, and XXXX. NO ONE PROVIDED ME ANY PROOF THIS IS MY DEBT. I submited a complaint with XXXX to have XXXX XXXX provide validation of debt. They refused. Then asked the bureaus for methods so I could see what the debt was for. This needs to be deleted from my credit report immediately.

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 2023-12-15 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:
I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

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 2023-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
When we attempted in XXXX to pay our mortgage to Mr Cooper, we were unable To log into the online payment app. We have always paid every XXXX weeks and were up to date with payments. We were unable to contact the company by phone or email and received nothing by mail or email. From reading some articles online, it seems that our mortgage was now to be with XXXX services, some offshoot of Mr Cooper. We paid via a phone app for XXXX but felt very uncomfortable, it all seemed very unprofessional and cagey. Now the XXXX site is saying mortgages have transferred XXXX. We still have had no written or email communication and attempts to call or use their live chat has been unsuccessful. I have tried XXXX today and as usual the lines to speak to either a real or virtual person are crammed. I do not feel comfortable paying a different random person each month without some kind of formal communication. 
According to XXXX website, this site is not authorized by the New York XXXX Department XXXX XXXX XXXX. No mortgage loan applications for properties located in the state of NY will be accepted through this site

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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: DC

Complaint narrative:
Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have giving you written or unwritten verbal and nonverbal per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: Regional Management Corporation
State: NC

Complaint narrative:
Regional Finance is still reporting false information in my credit report. I reached out to the branch manager in XXXX Nc on the XXXX of XXXX I believe it was to see what is going on. She informed me that there are no lates reporting on my credit report. However, I keep looking at my XXXX and XXXX  and it's now showing 90 days late with XXXX and XXXX  days late with XXXX. on XXXX it's showing late for XXXX, XXXX, and XXXX, on exeperian it's showing late for XXXX and XXXX. I reached out to the main office and they said the report at the end of the month. however, theyve been reporting to XXXX on XX/XX/XXXX with false information and XX/XX/XXXX with false information on XXXX and XXXX this is preventing me from getting credit and ive already reported them to the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
I have asked this company Harris & Harris of Illinois , Ltd to validate an alleged debt that they claim that I owe and to cease all communication with me immediately. I have never contracted with them and have no idea who they are. They have continued to contact me and harass me through mail and numerous of phone calls. They have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. I refuse to pay this alleged debt until the proper validation of this debt is provided. 

15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
Furthermore, they do not have any jurisdiction or authority to even collect on this alleged debt. 
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. 
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

They are claiming to be a debt collector who have paid for my debt from another company but is also a law firm. An attorney can not be a debt collector and a debt collector can not be an attorney.

FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished my account that I didn't agree upon and I didn't sign an agreement on a legal contract. A legal contract is signed by two parties and I did not participated in any of it.

Company response to consumer: Closed with explanation