vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-17 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Re : Request for Deletion of Inaccurate Information on My Credit Report To Whom It May Concern : I am writing to dispute certain information that appears on my credit report. I believe this information is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ).

1. **Inaccurate Information Dispute** : According to the FCRA and various case law precedents, all information reported by credit reporting agencies must be accurate, complete, and up-to-date. The following item ( s ) listed on my credit report is/are incorrect : 2. In accordance with 15 USC 1681 5-3, any report containing information solely regarding transactions between the consumer and the person making the report is excluded from being considered a consumer report. This further underscores my assertion that the aforementioned item ( s ) should not appear on my credit report. The delete the following This is a violation please delete Account # XXXX Account Status Closed Charge Off Payment StatusPast Due - {$5200.00} - NO BINDING AGREEMENT WITH. Do not owe the amount stated. 
Account # XXXX Closed Charge Off Past Due - $ XXXX NO BINDING AGREEMENT WITH. Do not owe the amount stated. 
XXXX Amount Status Closed Charge Off Past Due - {$760.00} NO BINDING AGREEMENT WITH. Do not owe the amount stated. 

I request that you investigate this matter promptly and, if the above-listed item ( s ) is/are indeed inaccurate, remove or correct it/them as required by the FCRA.

3. **No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question 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 2024-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Rushmore Servicing/Mr. Cooper/Nationstar continue to not answer our questions in our complaints with CFPB and/or lying by omissions in their answers.

They have now contradicted themselves, once again, in stating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is NOT the investor while continuing to state on the recorded phone calls on XX/XX/XXXX & XXXX XXXX, that XXXXXXXX XXXX XXXX XXXX XXXX the investor on the loan in question. Rushmore is also stating that a Referral For Foreclosure letter was sent by XXXX XXXX XXXX on XX/XX/XXXX that claims that the investor is XXXX XXXX XXXX XXXXXXXX for XXXX and this letter was the start of a foreclosure complaint in NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX with the Plaintiff being the investor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This is A clear violation of the laws of the NJ XXXX  Court. 


We are Requesting the CFPB makes Rushmore Servicing answer truthfully for what we are now demanding the answers to as they continue to avoid answering all questions asked regarding : XXXX why the Referral Letter for Foreclosure XX/XX/XXXX and the Foreclosure complaint by XXXX XXXX XXXX XX/XX/XXXX contradict each other when they named two different investors for the same foreclosure complaint... 
XXXX. When and how was XXXX XXXX involved in the Foreclosure complaint from XX/XX/XXXX through XX/XX/XXXX and why did XXXX XXXX office state that many mistakes were made on recorded phone call and the file has been closed as of XX/XX/XXXX. 
XXXX. What exactly is the line by line item for the total of {$3300.00} for the foreclosure fees by XXXX XXXX XXXX which seems to be outrageously high for less than 2 months of time of foreclosure activity, ( to say nothing that it should have taken place in the first place with the mistakes and errors and contradictions and why it was dismissed on XXXX XXXX. XXXX, why is it still against the account & being worked on to be removed by XXXX XXXX XXXX as of this time and date... 
XXXX. Why is Rushmore response to the previous CFPB complaint state a Notice of Default Demand Letter was mailed in XXXX XXXX Rushmore Loan Management Service XXXX XXXX ). How can that letter be mailed by RLMS when they merged assigned Servicing to Rushmore Servicing/Mr. Cooper/Nationstar merged on XXXX XXXX. 
XXXX. How was the XXXX XXXX Rushmore Mortgage Statement Accelerated to {$770000.00} and yet the XXXX XXXX Statement no longer has accelerated figure and we need a full explanation for the {$290.00} maintenance fee and {$5100.00} in legal fees on the Rushmore Statement. As no maintenance on the property of XXXX XXXX XXXX has ever taken place on behalf of Rushmore Servicing and the legal fees are above the {$3300.00} stated above by Rushmore response for XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XXXX XXXX I sent a letter to Experian disputing a bankruptcy showing on my credit report. They responded with a letter stating that its was " verified '' this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. I also went directly to the courthouse XXXX XXXX and asked do they verify with any credit agency they responded with a letter XXXX XXXX with a letter stating they do not report to any agency I then went back to Experian on XXXX XXXX and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. This item needs to be deleted from my credit report if it can not be verified within 30 days.

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 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
$ XXXX was defrauded from my Chase checking account. The bank office is in XXXX, New Jersey. I called a number that was represented on XXXX as being XXXX help. The next day I realized too many unappreciated questions were being asked so I ended the conversation. When I next checked my checking account, there was $ XXXX missing. I immediately went to the Chase office. They found that a wire transfer had been made to XXXX XXXX making it look that it had come from me. They contacted the Chase fraud and Chase claims, but they indicated there was a good chance I would not get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: FL

Complaint narrative:
I am writing to file a formal complaint against Experian, XXXX, and XXXX, regarding their handling of inaccurate information on my credit report. Despite disputing the inaccuracies, Experian, XXXX, and XXXX conducted an insufficient investigation that resulted in the verification of fraudulent accounts, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). 
I first became aware of the inaccuracies on my credit report when I noticed discrepancies in the information reported by Experian, XXXX, and XXXX. I promptly filed a dispute by certified mail with Experian on XX/XX/2024, tracking number # XXXX, XXXX XXXX # XXXX, and XXXX tracking # XXXX, providing detailed documentation highlighting the incorrect names, dates of opening and closure, as well as the presence of fraudulent accounts. 

Despite my efforts, Experian 's investigation into the disputed accounts came back as " verified, '' indicating that they failed to conduct a thorough examination of the inaccuracies. The verified presence of fraudulent accounts on my credit report not only tarnishes my creditworthiness but also exposes me to potential financial harm. 
I have enclosed copies of all three credit bureau reports, where I have clearly highlighted in red circles the incorrect information and fraudulent accounts that Experian failed to address adequately. The discrepancies present on my credit report are not only concerning but also indicative of Experian 's negligence in upholding their obligations under the FCRA. 
The inaccurate reporting of fraudulent accounts by Experian is not only damaging to my financial standing but also constitutes a violation of my rights as a consumer. Experian 's failure to conduct a thorough investigation and rectify the inaccuracies on my credit report is unacceptable and warrants immediate action. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate measures to hold Experian accountable for their actions. I request that Experian be compelled to remove the inaccurate and fraudulent accounts from my credit report and take steps to prevent similar incidents from occurring in the future. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and ensure that my rights as a consumer are protected.

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 2024-02-17 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-02-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: MI

Complaint narrative:
On XX/XX/XXXX I received text stating there was a problem with my account. I called them 3 times that night. At XXXX XXXX I called and after going through the verification of my identity he tried to transfer me to risk management because they are the only ones that can unlock my account. He could not and asked me to call back. I called back at XXXX and went through the process again. She transferred me and after aroung 18 minutes I was disconnected. I called back at XXXX and the same thing but I was on the the phone for a total of 26 min before I was disconnected. I decided to wait tilll morning to calm down. I called at XXXX the next morning ( XX/XX/XXXX ) .After being on the phone for another 26 minutes I was told I had to hang up and they would send a texted to tell me what to do. 
They sent me a text asking me to send a copy of front and back of drivers license. They sent an e-mail stating could not verify with that information. They want me to send them a copy of Soc Sec card, bills, and other things I dont feel comfortable giving them. I am lock out so I cant check balance or what has been changed. At this point I requested they send any balance to the bank account that has been linked to the account for the last 2 years. They cant do that. I had a XXXX XX/XX/XXXX and I get confused easily and its hard to understand them. I just want my money and Ill be done. I know about how much that should be within {$20.00}.

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 2024-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi my name is XXXX XXXX I need help with some updates on my profile Im writing this notice because Ive been paying my cards on time I have came across something interesting I'm requesting you provide me with proof of this alleged payment being late. XXXX XXXX XXXX  Date XX/XX/year> If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigations, send me an updated credit report to the address stated above I have recently reviewed my credit report and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the specific accounts in question, along with their respective account numbers XXXX XXXX XXXX XXXX account Number XXXX Upon closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, it is evident that there may have been a violation of my consumer rights.

The law explicitly states : " ( 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 instructions of the consumer to whom it relates. '' I must inquire whether I provided written instructions for the inclusion of these late payments in my credit report. If not, it is essential to rectify this issue promptly Accitionally according to the FCRA, 15 USC 1681 ( 2 ) ( a ) ( i ) regarding exclusions from a consumer credit report specifies : " ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) Subiect to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. In light of this, I kindly request the removal of the late payments from my consumer report, as they may be in violation of 15 USC {$1600.00}. Ilook forward to your prompt attention to this matter and a timely resolution.

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 2024-02-17 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: IA

Complaint narrative:
There are fraudulent accounts on my credit report Listed : 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 XXXX Will you please delete all of these fraudulent accounts thank 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 2024-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have reported several times identity theft of my social security card and identification card. Someone has been using my identity. 
15 USC 1681 section 602 A States I have a right to privacy. 15USC 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containg any of the following items of the information, any ther adverse item of information other than records of convictions of crime which antidates the report by more than seven years. 15USC 1681s 2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-02-17 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: MO

Complaint narrative:
I have reported several times identity theft of my social security card and identification card. Someone has been using my identity.

15 USC 1681 section 602 A States I have a right to privacy. 15USC 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containg any of the following items of the information, any ther adverse item of information other than records of convictions of crime which antidates the report by more than seven years. 15USC 1681s 2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I recently applied to switch my IDR repayment plan to the SAVE plan on XX/XX/XXXX and also requested the 30-day forbearance while my plan was being changed. I received a confirmation from my servicer, Aidvantage, on XX/XX/XXXX that my request had been approved, however they immediately increased my next payment that was due on XX/XX/XXXX with no forbearance. I filed a complaint but have not yet received a response. Currently my account is showing a past due balance of {$260.00} for the payment on XX/XX/XXXX which should not have been charged, as well as charges for next month for a total of {$520.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2023, my Chase credit card information was stolen, and used to make a {$1900.00} purchase from the XXXX store. This is a shared account held by my wife and I. Neither of us made this purchase. I was working in my office when the purchase occurred, and I only found out the purchase occurred because my wife alerted me that she had received a text notification from Chase of the amount charged -- that she did not recognize. 

I immediately called Chase and alerted them that this was a fraudulent purchase. They freezed my account, and initiated the process to issue me a new card. 

I then immediately called my local police department to inform them of the identity theft, and I filed a police report. 

Chase initiated an investigation, and shockingly, despite all the foregoing, refused to credit our account the amount stolen. Upon receiving the company 's determination, we asked for a secondary investigation, and we submitted evidence of the police report filed, and the evidence we submitted to the police department -- which completely and to the XXXX supported the account given to Chase. 

Shockingly, despite this evidence, and despite being a longstanding customer of the credit card company ( without any negative history ), Chase refused, again, to credit this amount to our card and is now requiring that my wife and I be responsible for this large sum of money that was stolen from us, promptly reported to the company, and to the authorities -- all within minutes of discovering the fraudulent charge.

Company response to consumer: Closed with monetary relief