vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
I have requested multiple times that the debt collector Mullooly, Jeffrey, Rooney & Flynn LLP ( MJRF ) do the following : 1. Direct all mail to my XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX 2. Call me XXXX XXXX They insist on sending letters to " XXXX XXXX XXXX '' and to my physical address. 

This is problematic as I live on a busy road and stuff from the mailbox routinely goes missing. I have complained to the post office, but not gotten anywhere. 

I therefore must insist that they start using my preferred address and calling me by my preferred name. 

I would note, everything of importance I have mailed to my po box , which they'd know if I actually owed the debt ( which I do not ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
A loan was taken out in my name on XX/XX/year>, I was a resident of alabama at that time with a alabama driver licens I was XXXX years old at the date of this loan being opened, alabama state law at that time required a person to be XXXX years old to enter into a contract, there is no way this loan could have been mine due to alabama code 26-1 1, it was my brother 's truck and his name was on it XXXX XXXX but some how the creditor ameri credit gm fincial placed me on the loan also and the vehicle was repossessed and now charged off, since this has happend my credit has been ruined I can't get a vehicle loan due to this error, ameri credit gm fincial allowed someone to use a minors info and finace a vehicle with out proper consent or any documents from me, this contract should of Ben void due to me being under legal age requirement for entering a loan I wasn't even XXXX legal age in any state in this USA for entering a contract with a fincial company please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-07-29 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-07-29 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:
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 2024-07-29 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: IL

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 2024-07-29 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2024-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Hello I writing in regards to an issue I am having with my mortgage servicer NewRez. My husband passed away XX/XX/XXXX. I submitted documents in XX/XX/XXXX to have my mortgage deed transferred in my name. According to his Last Will and Testament and Revocable Transfer on Death Deed. The surviving owner will be sole owner of the property. Newrez placed on the mortgage in the Estate of. This has caused me much frustration and issues. I received a letter from Newrez on XXXX XXXX, stating due to the complex issue they needed more time to resolve. I never heard back from them, so I called Customer Service on XX/XX/XXXX and was told the only option I had was to refinance my loan and proceeded to transfer me to a Loan officer. I advised her that is not what I wanted to do. And I disconnected the call. I'm very frustrated at this point and would like some type of resolution to this matter. It seems as though the C/S rep didn't know the correct answers or try to find out if there were other options. 
Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Lender harassed me and lowered credit limit due to fraud from another lender

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
Today I received mail from the law firm Mullooly, Jeffrey, Rooney & Flynn XXXX ( MJRF ) that violates the FDCPA. 

I would refer you to 804 ( 5 ) : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and I'm attaching a copy of two envelopes from correspondance I received from MJRF. 

You'll notice the return address clearly shows it is from " The Law Offices of Mullooly, Jeffrey, Rooney & Flynn XXXX '' This clearly advertises the fact that the communication is from a debt collector, as the office of MJRF is involved in a singular enterprise, debt collection. 

I can only assume since the return address is printed on there they violate the FDCPA with every single mail they send out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: LA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the removal of inaccurate information from my credit report. I have reviewed my credit report, and the account referenced above is inaccurate I request that the account be investigated and removed from my credit report. 

Please notify me of the results of your investigation at the address provided above. Under the FCRA, you are required to investigate my dispute within 30 days. If the investigation results in a change to my credit report, please send me an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: MD

Complaint narrative:
I reviewed my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. Also, according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. The accounts below are not complete and accurate. And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumers report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. Also, they sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate and according to nd according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are supposed to provide me with a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ). And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has because to believe that the information is inaccurateXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Check the attachment below.

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 2024-07-29 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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: MD

Complaint narrative:
I have XXXX collection debts due to Identity theft. I've never open any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: MD

Complaint narrative:
I have XXXX collection debts due to Identity theft. I've never open any of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Company has been stalling me for months with the correction of my report and incorrect address I have asked them to remove the false information which doesn't belong to me their are address on file that are not mine never have I lived their they do not allow me to dispute them online because linked accounts with those addresses that do not belong to me either please correct they have taken more the 30 days to correct this issue I am tired and ready to get my lawyers involved as well as to sue and be compensated.

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 2024-07-29 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: MI

Complaint narrative:
I'm serious with this complaint and is obviously not sent in error. There are inaccurate information being reported in my credit report which caused me extreme frustration and inconvenience that impacted my ability in having new credit being approved.

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 2024-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had a deposit date to my chime bank from the XXXX on XXXX XXXX of XXXX my money is not on my account and until this day it's still not on My account I want to know where my money went who has it i have kids i have yo take care of school is here and i don't have anything for them I'm a single mom this hurts me to know my money has been taking from me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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:
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 2024-07-29 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: AZ

Complaint narrative:
Upon reviewing my credit report, I noticed a series of inquiries that I do not recognize, for which I have already disputed with the credit bureaus. However, they have not provided me with the information that could validate them, which has led me to file this complaint for their removal, as they are incurring in violations of XXXX XXXX : XXXX XXXX XXXX ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
XXXX XXXX XXXX ( XXXX ) : Failure to conduct a reasonable investigation into disputed information. 
XXXX XXXX XXXX ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting. 
XXXX XXXX XXXX ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 
XXXX XXXX XXXX ( a ) ( XXXX ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 

inquiries : XXXX XXXX XXXX | XX/XX/year> CAP XXXX XXXX | XX/XX/year> CAP XXXX XXXX | XX/XX/year> CPS/MAIL | XX/XX/year> FIRSTHELPF | XX/XX/year> FLAGSHIPCR | XX/XX/year> FLAGSHIPCR | XX/XX/year> FLAGSHIPCR | XX/XX/year> SANDSMOTOR | XX/XX/year> SANDSMOTOR | XX/XX/year>

Company response to consumer: Closed with explanation