vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2024-12-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
I have attempted on many occasions since XXXXXXXX XXXX XXXXXXXX to talk with Freedom Mortgage about changes to the current VA loan as allowed by the VA program and been transferred many times, multiple delays in phone transfers when I call, no information provided when requested other then the template the mail out about foreclosure, forbearance or their own loan modifications that they will allow but none of the VA options, and I have already went they forbearance once from XXXXXXXX XXXX XXXX XXXX XXXX only to allow one option after which was to get current on lapsed payments which I had to take out a XXXX hardship withdrawal in order to due, and now I am reluctantly in forbearance again from XXXXXXXX XXXX XXXXXXXX and I do not want to be forced to do another hardship withdrawal again.

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 2024-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was involved in a data breach from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-07 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: TX

Complaint narrative:
My information was involved in a data breach from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am submitting a complaint regarding a car dealership, XXXX, for misrepresenting my role in a vehicle purchase on XX/XX/year>. While I agreed to co-sign for the vehicle, the dealership incorrectly listed me as the primary owner and submitted the vehicle for registration in my name. 

This mistake has created financial responsibilities and legal obligations that I did not agree to. The issue remains unresolved despite repeated attempts to address this with the dealership. 

The sales representative informed me that the customer, XXXX XXXX, was unable to obtain financing on her own due to her lack of credit history and required a co-signer to complete the purchase. The representative assured me that the vehicle would be registered in XXXXXXXX XXXX  name, and I agreed to co-sign based on that understanding. XXXX paid the deposit directly in her name, and the insurance for the vehicle is also in her name, with me listed as an additional driver to lower premium payments. 

However, the dealership submitted the title and registration in my name, despite assuring that the car would be in XXXXXXXX XXXX name. This has created legal and financial complications for me that I did not anticipate or agree to. 

I am requesting the CFPBs assistance in holding the dealership accountable and ensuring that my role as a co-signer is accurately reflected in all related documents, including the vehicles title and registration. 

I am available to provide additional details or documentation if necessary. You may contact me at XXXX or via email at XXXX. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XXXXXXXX XXXX allowed a fraudulent credit card to be opened in my name. The consumer card number was XXXX The fraudulent individual spent the maximum allowed on credit, failed to pay any statements and defaulted. The bank forwarded our " bad debt '' to Midland Credit Management. 

Midland Credit Management is not responding or attempting to investigate our claim, despite police reporting of the incident and an investigation launched by XXXX. 

Midland Credit Management Contact : XXXX XXXX XXXX. XXXX XXXX, California XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year>. A transaction appeared on by bank stating that {$1100.00} was withdrawn from by bank account because a check was bounce. I called the bank immediately to report fraud as I did not cash in the check nor was I aware of this transaction. XX/XX/XXXX, I went in person to ask for information such as where the check was cashed, which bank was cashed at so I could possibly get camera footage to fight against my case. They did not provide. I called multiple times to ask for updates. Did not provide any additional information until XX/XX/XXXX, I called and they said my case was close without providing any help of such or explanation. I went in person immediately same and was told that my account number and fake identification was used to cash out a fake government check. I tried to reopen my claim. Chase failed to uphold their security system bypassing a fake check and identification, allowing this to happen and is not taking responsibility towards resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I refinanced this loan XX/XX/year> through XXXXXXXX XXXX This was done remotely with a notary public, who took my paper work. I was told/advised by her at the time of signing that my first loan payment would be due XX/XX/year>. I was also told that no credit reporting would take place for at least 60 days. 
On XX/XX/year>, I went out on sXXXX XXXX XXXX XXXX with my employer and spent XXXX months out of work. 
I made a mortgage payment in XXXX but wasinformed that the first payment was actually due XXXX and i would still be considered late until i made TWO payments at the same time, which was not possible XXXX XXXX XXXX XXXX 
At that point, i was advised by XXXX to apply for forbearance or temporary hardship-i, filled out all paperwork and supporting documentation and had to wait for approval. I was told i would NOT BE REPORTED LATE during this process, and I followed up and stayed in touch constantly. 
When the modification was approved, I now have payments set up and i thought all was well. 
lin the meantime, i was transitioning to XXXX XXXX XXXXXXXX temporarily, however XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so i am currently APPLYNG FOR JOB POSITIONS that REQUIRE CREDIT REPORTS to be pulled. 
I called to discuss this with XXXX and was advised to fill out this form. Please, Please help me by removing the late reporting! | am all set up for my payments and supposedly in good standing during this time, and I was told there would be no late reporting as long as i kept in touch and followed the loss mitigation process!! 
I will never be able to find employment making the same amount of income as i have been without a credit record that shows payments on time, which i have had up until now. Please help me keep the house by removing the derogatory reporting while I am making the payments as required.

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 2024-12-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have 4 separate prepaid gift cards from XXXX XXXX that amount to a total of {$700.00} that I can not seem to be able to use anywhere- The card can not be added to my online wallet, I can't use the virtual card in store and I can't add it as a payment method online at checkout. It constantly get rejected. 

I need to have this money reimbursed in the form of a check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery Associates LLC has filed a court civil suit against me on a debt that has not been validated. I am submitting this complaint against Portfolio Recovery Associates LLC for their attempt to collect a debt they are not legally authorized to collect. Their actions are in violation of federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and applicable Credit Reporting ( CR ) rules outlined under the Fair Credit Reporting Act ( FCRA ). Details of the Complaint : 1.Failure to Validate the Debt : This debt is required to be validated under the FDCPA ( 15 U.S.C. 1692g ). the company has failed to provide proper validation, including proof that the debt is valid, that they own the debt or have the right to collect it, and a full accounting of the amount owed. 2. Debt Not Collectible Under CR Rules : Under federal law, debts sold to collection agencies may not be collectible unless the agency can legally demonstrate ownership and compliance with CR rules. Specifically : Credit Reporting Rules ( FCRA ) : Debts sold to collection agencies must include complete and accurate information about the debt, including its origin, the amount, and whether the statute of limitations has expired. Agencies must also notify credit bureaus if a debt is disputed. Debt Ownership : If the original creditor sold the debt, the collector must provide a clear chain of title proving their legal right to collect the debt. Portfolio Recovery Associates LLC has not provided this. 3. Violation of My Rights : The debt in question appears to be unverified, unenforceable, and possibly under applicable state law Attempting to collect this debt without validation is a violation of my consumer rights under the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit score is open and accessible to the public and I dont want that. The credit agencies namely ; Equifax, XXXX, XXXX and XXXX all make my information accessible to insurance agencies etc. 
This has affected my credit score dramatically and reduced my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2024-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On or around XXXX XXXX, my mortgage loan was transferred to NewRez LLC. At some point, on the back of a NewRez statement, I noticed that NewRez was charging me a single late fee in the amount of {$1900.00} and a Non Sufficient Fund ( NSF ) fee in the amount of {$35.00} dollars. I contacted NewREZ and inquired about both fees and requested that both fees be removed. Please see my attached certified letter to NewRez dated XX/XX/XXXX. NewRez responded to this letter on XX/XX/XXXX and stated that NewRez has never imposed any late fees or insufficient fund fees on my account. NewRez specifically stated : " Please note, the late charge in the amount of {$1900.00} and NSF fee of {$35.00} was assessed by the loan 's prior servicer. Therefore, the amount of {$2000.00} of fee balance will not be removed. '' Although requested, NewRez provided no proof that any of these fees were legitimate. In their response letter of XX/XX/XXXX, NewRez states : " we have been unable to determine that an error has occurred '' but conversely they have been unable to provide proof that these fees are in fact accurate and/or legitimate. Please see attached correspondence.

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 2024-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX on behalf of Portfolio Recovery Associates LLC has filed a court civil suit against me on a debt that has not been validated. I am submitting this complaint against XXXX XXXX XXXX on behalf of Portfolio Recovery Associates LLC for their attempt to collect a debt they are not legally authorized to collect. Their actions are in violation of federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and applicable Credit Reporting ( CR ) rules outlined under the Fair Credit Reporting Act ( FCRA ). Details of the Complaint : 1.Failure to Validate the Debt : This debt is required to be validated under the FDCPA ( 15 U.S.C.1692g ). the company has failed to provide proper validation, including proof that the debt is valid, that they own the debt or have the right to collect it, and a full accounting of the amount owed. 2. Debt Not Collectible Under CR Rules : Under federal law, debts sold to collection agencies may not be collectible unless the agency can legally demonstrate ownership and compliance with CR rules. Specifically : Credit Reporting Rules ( FCRA ) : Debts sold to collection agencies must include complete and accurate information about the debt, including its origin, the amount, and whether the statute of limitations has expired. Agencies must also notify credit bureaus if a debt is disputed. Debt Ownership : If the original creditor sold the debt, the collector must provide a clear chain of title proving their legal right to collect the debt. XXXX XXXX XXXX on behalf of Portfolio Recovery Associates LLC has not provided this. 3. Violation of My Rights : The debt in question appears to be unverified, unenforceable, and under applicable state law Attempting to collect this debt without validation is a violation of my consumer rights under the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The following accounts on my report are inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to follow up on my previous complaint ( Case ID : XXXX ) submitted on XX/XX/year>. Initially, I believed this issue stemmed from a bank error. However, as I indicated toward the end of my prior complaint, it now appears that XXXX of XXXX XXXX did not fulfill their contractual obligation to pay off the full remaining balance of my car loan. This constitutes a breach of our agreement. 

Over the past few months, I have made numerous attempts to resolve this issue directly. XXXX of XXXX XXXX initially insisted they had paid the full amount of the loan, while my bank, XXXX, maintained that they had not received the payment. After persistent inquiries, XXXX finally admitted their mistake XXXX weeks ago and sent me a letter from their finance director confirming the error. 

I promptly forwarded a copy of this letter to XXXX as evidence. Despite this, as of yesterday, XXXX confirmed they have still not received the payment from XXXX. This delay has caused significant harm to my XXXX XXXX, dropping it from XXXX to XXXX, a XXXX decrease. When I requested assistance from XXXX to address the credit damage caused by this payment delay, they stated there was nothing they could do to repair my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently checked my credit report and noticed some inaccuracies ranging from XXXX XXXX- XXXX XXXX. I have XXXX hard inquiries that was recently added that I would like to be verified. I haven't applied for anything and I would like you guys to send me a copy of the documents with my wet ink signature and why these hard inquiries was added to my credit report. Please furnish original contract to my email for these inquiries at ( XXXX ) Name : XXXX XXXX ( XXXX ) Name : XXXX  XXXX ( XXXX ) Name : XXXX Name : Flagship Cre Name : XXXX XXXX  Name : XXXX XXXX Name : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I recently checked my credit report and noticed some inaccuracies ranging from XXXX XXXX- XXXX XXXX. I have XXXX hard inquiries that was recently added that I would like to be verified. I haven't applied for anything and I would like you guys to send me a copy of the documents with my wet ink signature and why these hard inquiries was added to my credit report. Please furnish original contract to my email for these inquiries at ( XXXX ) Name : XXXX XXXX ( XXXX ) Name : XXXX  XXXX ( XXXX ) Name : XXXX Name : XXXX XXXX Name : XXXX XXXX  Name : XXXX XXXX Name : 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