vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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: CA

Complaint narrative:
I am a victim of human trafficking and have submitted documents under the debt bondage law, pursuant to Section 605C of the Fair Credit Reporting Act, to have adverse items related to trafficking removed. Under Section 1022.142 ( B ) ( 6 ) ( I ) : Expansion of trafficking documentation ; a request was made for the approval of the expansion of documentation required to prove victimization. This request was approved and went into effect on XX/XX/year>. The types of documents that can be considered a VDD can be court order documents for vacatures, expungements, or record sealings where the underlying crime was related to the trafficking victimization. I was forced into prostitution and trafficked ; and later the criminal case was expunged ( destroyed ). I provided the court documents ( no pages missing ) for the expungement and crime, yet the credit reporting agency has given me pushback. Their tactics to stall and deny trafficked survivors need to be stopped. They are attempting to use the XXXX review to unnecessarily cause victims additional harm. I have provided a copy of sensitive court documents that are being passed around an office, only to be denied. They have given me a hard-time in an already very difficult situation. 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 XXXX XXXX  if the consumer has provided trafficking documentation to the consumer reporting agency. I have provided court documents and satisfied the requirement, yet adverse items continue to remain on 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 explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I filed a claim. 

Went to the bank with two forms of ID on XX/XX/XXXX, XXXX, and XXXX. 

I made several withdrawals with my cellphone ending in XXXX being used as verification and my IDS as well. 

I live in XXXX, now I'm trying to get back and suddenly my accounts are all frozen in credits only state and the bank will not help me unless I go back into the bank? I have no access to my money there is no way of me doing that.

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 monetary relief
Consumer complaint received 2024-05-30 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Every time we call we get a different representative that has no knowledge of our account or whats going on with our account just whats on the screen in front of them no notes on the account so called left by the previous agent weve spoken with so weve been dealing with this issue for a whole year now this company doesnt take any kind of accountability on their screwup, but they continue to rest solely on us blaming us. Ruining our credit by false accusations, misleading information, and false claims And disorganized payment processing. They can not explain or articulate how we went from being a month ahead on our account for the last 5 to 6 years to falling behind a month starting back in XXXX XXXX XXXX. Because of their negligence, so as the consumer, we get treated very disingenuous damage credit report that enable us to go anywhere else to get a mortgage from someone else because of there derogatory reporting To the credit agencies and we continue to have problems with this company and we set up a payment arrangement to get the account back on track but they continue to screw things up and report us as being late even though they get a payment that we call in and make for the last 6 months but they still continue to give us harassing calls at our work place not soon after they just got a payment over the phone and to make matters worse, they send strange people out to our residence to see if were still living at the property in which is very contradicting when you call over the phone and speak with a representative in making a payment you have to verify that youre still living at the property!!!!!

And furthermore you can see Truth to my claim Mr Cooper has a B- rating with the XXXX XXXX XXXX XXXX , but it is not accredited. In 2021, the Consumer Financial Protection Bureau received XXXX mortgage-related complaints about Mr. Cooper. The most common were related to trouble during the payment process and application process and struggling to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: MA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: MA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are many inquiries on my consumer report that are not connected to me. I have attached a dispute for all of those that are reporting inaccurately.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I believe that under FCRA 605B, any incorrect accounts should be removed from my credit report. Can you look over the documents? Some accounts listed have reporting errors in terms of amounts and dates.

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 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Timely payments on this account have always been a priority for me, and I've never let them be overdue. I don't understand the reasons for late payment remarks on my accounts. According to 15 USC 1666b, billing errors must be corrected.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently reviewed a copy of my credit report this month XX/XX/XXXX and noticed XXXX XXXX XXXX XXXX XXXX XXXX  on my report since XX/XX/XXXX. I have never had these services, nor applied for them in the past

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 2024-05-30 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-30 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-30 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: TX

Complaint narrative:
I am writing to follow up on the disputes I submitted over 30 days ago regarding inaccurate information on my credit report. I sent detailed disputes to TransUnion, XXXX, and XXXX, listing the accounts in question and outlining the violations these inaccuracies represent under the Fair Credit Reporting Act ( FCRA ). 

Despite the 30-day response requirement stipulated by the FCRA, I have not received any acknowledgment or resolution from your agency. I am attaching copies of all the letters sent for your reference. 

I request an immediate investigation and resolution of these disputes, ensuring compliance with FCRA guidelines. 

Thank you for your prompt 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 2024-05-30 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: TX

Complaint narrative:
I am writing to follow up on the disputes I submitted over 30 days ago regarding inaccurate information on my credit report. I sent detailed disputes to XXXX, XXXX, and Experian, listing the accounts in question and outlining the violations these inaccuracies represent under the Fair Credit Reporting Act ( FCRA ). 

Despite the 30-day response requirement stipulated by the FCRA, I have not received any acknowledgment or resolution from your agency. I am attaching copies of all the letters sent for your reference. 

I request an immediate investigation and resolution of these disputes, ensuring compliance with FCRA guidelines. 

Thank you for your prompt 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 explanation
Consumer complaint received 2024-05-30 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: TX

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
XXXX XXXX is a property management company. The rent and utilities are entered into a ledger by company and tenant is required to pay balance within 10 days of notice in rental website. The amounts entered on the ledger were obviously NOT amounts of usage for utilities for rending of services for one person in a two bedroom duplex. The management would not prove the usage and demanded the ledger was correct. They issued an eviction notice for non-payment of the utilities and have never been late on rent. The court ordered no eviction and I did not pay the utilities that were not accurate. I still have not received any evidence that the utility charges were accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: WA

Complaint narrative:
I have a checking account with Juno. Since XX/XX/XXXX, I have not been able to make any transactions ( debits or deposits ) from my account. Juno says that they are working to resolve the issue with XXXX Bank. However, it has been almost 3 weeks since they originally notified me of the issues, and I still can not access any of my money ( it is now XX/XX/XXXX ). I have sent Juno a message requesting to close down my account and send me my remaining funds via regular mail. They have not responded to my request. I have attempted to withdraw my money into another checking account at another bank, and I am unable to do so because my Juno account is frozen. I have thousands of dollars in my Juno checking account, and I would like to have access to my money immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: CA

Complaint narrative:
TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Re : Violation of 15 U.S.C. 1681 ( i ) Request for Immediate Removal of XXXX XXXX I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( i ), regarding the handling of my credit report by TransUnion. The account in question is identified as XXXX ( Account XXXX : [ Account XXXX ] ). 

In XX/XX/XXXX, the XXXX account was removed from my TransUnion credit report. However, in XX/XX/XXXX, I discovered that this account was reinserted into my credit report. According to 15 U.S.C. 1681 ( i ) ( 5 ) ( B ), TransUnion is required to notify me within five business days if previously deleted information is reinserted into my credit file. I did not receive any such notification from TransUnion within the required timeframe, or at any time thereafter. 

Due to XXXX failure to comply with this crucial notification requirement, I am requesting the immediate removal of the XXXX account from my credit report. Additionally, I request written confirmation of the removal of this account sent to my address listed above. 

Enclosed with this letter are the following documents to support my claim : XXXX. A copy of my TransUnion credit report from XX/XX/XXXX showing the removal of the XXXX account. 
XXXX. A copy of my TransUnion credit report from XX/XX/XXXX showing the reinsertion of the XXXX account. 
XXXX. Any correspondence or lack thereof from TransUnion regarding this matter. 

Please consider this letter a formal dispute under the FCRA, and I request a prompt investigation and resolution of this issue. I expect TransUnion to act in compliance with federal law and correct this violation without delay. 

Thank you for your immediate attention to this matter. Please contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information or clarification. 

Sincerely, [ Your Full Name ] [ Signature ] [ Date ] Enclosures : 1. Copy of TransUnion credit report ( XX/XX/XXXX ) XXXX. XXXX of TransUnion credit report ( XX/XX/XXXX ) XXXX. [ Any other relevant correspondence ] -- - Ensure you fill in the appropriate details before sending the letter to TransUnion.

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 2024-05-30 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: TX

Complaint narrative:
Entered into Mortgage XXXX in XX/XX/XXXX with XXXX Mortgage. Instructed to pay XXXX modified XXXX XXXX  monthly payment for 6 months. Compliant with these payments each month. 

In mid XXXX, at end of forbearance, contacted XXXX rep to find out next steps in the process as we were at the end of the forbearance period. I was told to just have my loan modification application in prior to XX/XX/XXXX. At NO TIME was I told I would be reported as 6 months delinquent to the credit bureaus if I wasnt current by XX/XX/XXXX. 

I now have a 6 month delinquency on my credit report even though I followed Chases directions to the letter. Ive attempted to have this resolved with them and their response is it was in the fine print of the documentation I signed in XX/XX/XXXX that my credit may be affected. I feel this is unacceptable. My credit has now dropped from XXXX to XXXX as a result of this with a severe derogatory remark.

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 2024-05-30 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: GA

Complaint narrative:
There are hard inquiries on my credit I have no acknowledgement of it I did not give permission for them to check my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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