vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I spoke to a rep from my mortgage company, Mr. Cooper, on the phone today and he told me that they are not going to make my mortgage insurance payment even though I've been making my mortgage escrow payments for that purpose. The rep 's name was XXXX and his direct line is XXXX. On XX/XX/XXXX, they sent me a letter that said the following, " ... Our resource book, the nationally published XXXX XXXX XXXX XXXX XXXX indicates the financial strength of insurance companies. A company XXXX  XXXX or better provides the coverage and protection our investors require. Your policy does not meet our acceptable coverage standards. Please contact your agent and provide us with a new policy to avoid the placement of temporary coverage on the property. '' I checked with AM Best and learned that my home insurance company, XXXX  XXXX, did indeed have a XXXX XXXX According to Mr. Cooper 's letter, that was sufficient. Mr. Cooper sent me an email to that asked me to submit proof that I had a the appropriate coverage. I uploaded a document through their secure server at XXXXXXXXmrcooper. On XX/XX/XXXX, I received an email from Mr. Cooper that said the following, " Thank you! Your insurance information has been reviewed and updated using the details provided. No further action is required at this time. '' XXXX verified that the letter said exactly what I say it did above- that they require an insurance company to have a XXXX XXXX  or better, like mine does. And, he told me that they sent me another letter in XXXX that said the exact same thing. But, on the phone today, XXXX said to me that they I must get a new home insurance company that is XXXX XXXX or better. 

Right now, in California, it is not easy to get a new home insurance policy. Many large insurance companies are no longer taking new customers. It does not seem fair for a mortgage company to demand that I switch insurance companies and it's even worse that they have not given me adequate notice in writing. As things stand, my current property insurance is due to expire on XX/XX/year>. XXXX told me that I need to get a new insurance company before that date or his company will begin to charge me for home insurance. He did not provide an estimate of the cost. 

I am writing to you because I suspect that many other consumers with mortgages in California are being subjected to this kind of treatment and I am wondering whether it is legal. XXXX, is it legal for them to demand that I switch home insurance companies? XXXX, is it legal to demand that 5 days before my current policy expires? XXXX, it is legal for them to demand that verbally? XXXX, is there any requirement on their part to provide me adequate notice in writing? I am really hoping that someone from the CFPB might be able to intercede on behalf of myself and others to stop Mr. Cooper from treating customers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: PA

Complaint narrative:
I urgently ask you to promptly remove the unauthorized accounts from my credit report. I did not authorize them, and they are causing me significant distress. Please correct this error without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I disputed the charge, but I have withdrawn because the merchant tried to solve the problem but the problem wasn't solved. I tried to reopen the dispute but they refused to reopen the dispute that has been closed.

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 2024-09-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: MA

Complaint narrative:
On XX/XX/year> Direct Express via Comerica Bank blocked my previous verified email address following me updating my address for replacement benefit card. Direct express required me to provide a copy of my identification card via their fraud identification department email in order to unblock my account and permit me online access of which I required immediate access to. I complied with their unwarranted request providing them a copy of my Florida state ISSUED ID BOTH FRONT AND. BACK. DIRECT EXPRESS RESPONDED ON XX/XX/year> THAT MY ACCOUNT ACCESS REMAINED DENIED DUE TO ME SENDING A EXPIRED ID. MY IDENTIFICATION CARD WAS FACTUALLY VALID AND CLEARLY VERIFIABLE IN THE EMAIL.ORIGINALLY SENT. I AGAIN RESENT MY IDENTIFICATION CARD WITH A COPY OF MY SOCIAL SECURITY CARD FRONT AND BACK. SEVERAL HOURS LATER, DIRECT EXPRESS RESPONED THEY WERE DENYING MY SECOND VERIFIABLE IDENTIFICATION CARD AND SOCIAL SECURITY CARD AND CONTINUED TO BLOCK ME FROM MY ACCOUNT ACCESS STATING MY IDENTIFICATION WAS EXPIRED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

JPMCB CARD SERVICES XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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 writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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 2024-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: OH

Complaint narrative:
It was on XX/XX/XXXX I went to the XXXX XXXX emergency and I received a bill from cause my insurance company was not able to cover it.and I requested some support from the state.they paid everything out for the department and I still have to pay the {$1700.00} for XXXX and I was unable so they reported me to the collection ( account resolution services a division of XXXX, XXXX ) they were keep sending letters to my new address.since the collection was really destroyed credit I was even unable to an apartment or car rent I requested to the state if they can help me, after a day I received a notice from the state where the amount was reduced and I had to set up a payment plan for that. I started paying biweekly and I stopped to {$640.00} or {$630.00} without paying that so the amount was reported to my credit report with ( XXXX XXXX ) So at the end of XXXX of the year the company ( XXXX XXXX ) called me they had a proposition for instead of paying the full amount ( {$640.00} ) I have to {$340.00} and the collection will be removed from my account I agreed and I gave them my Visa card so they set up the payment on the next coming Friday ( XX/XX/XXXX ) And after talking to them the company sent me a confirmation letter to make sure if it was me. So on the date that weve agreed for the payment they received money at XXXXXXXX XXXX  After two weeks the collection was removed from my account. 
But I was surprised to the NTL recovery agency reported the same amount of {$1700.00} to my credit score.on XX/XX/XXXX. 
Also on XXXX XXXX I first called them they were trying to make some business by asking my credit card to set up payment. 
Cause my XXXX they were keep lying to me. 
So I went to web site find their email address I sent them an email including the letter from XXXX XXXX as an evidence of my payment And I told them that Im going to report them if they want to mess up with my life here. 
They texted me back by saying the amount was reported by XX/XX/XXXX from XXXX I explained them like I explained to you guys. 
She asked me the picture of the bill included the letter from XXXX XXXX. With my last four social numbers Until now nothing changed, they keep reporting the amount on credit report which infecting life here, I cant do anything else And I dont where else to go or report. 
Please do help me.

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 2024-09-13 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:
XXXX XXXX XXXX sent me a lot of loan offers in my email and stated check offer that will not impact credit then during they loan application process I selected self employed, I have an auto loan they run my bank account for 2 years transaction then approved my loan. The sent me an email requesting for my vehicle registration and pay stub. Vehicle insurance with {$1000.00} deductible. Their advert is misleading and their process is misleading. I had attached screen shoot of my application that indicated I selected self employed and I have auto loan they had a hard pull on my credit report as against soft pull on their email marketing.

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 2024-09-13 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:
XXXX XXXX  XXXX  sent me a lot of loan offers in my email and stated check offer that will not impact credit then during they loan application process I selected self employed, I have an auto loan they run my bank account for 2 years transaction then approved my loan. The sent me an email requesting for my vehicle registration and pay stub. Vehicle insurance with {$1000.00} deductible. Their advert is misleading and their process is misleading. I had attached screen shoot of my application that indicated I selected self employed and I have auto loan they had a hard pull on my credit report as against soft pull on their email marketing.

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 2024-09-13 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I want to express my concern about the unacceptable practices of certain entities in relation to debt collection linked to my credit accounts. I need to address the transfer of my credit account from XXXX  XXXX XXXX to XXXX XXXX XXXXXXXXXXXX XXXX, under Hunter Warfield Account # XXXX. The debt is now owned by XXXX XXXX XXXX, XXXX, and I am not liable for this debt. I have no contract with XXXX XXXX XXXX, XXXX or Hunter Warfield, and they did not provide me with the original contract as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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:
Was notified via email on XXXX XXXX XXXX  a credit card account was opened using my name and my secondary email address. The bank name is current bank. On XXXX XXXX  the credit card appeared on my credit report. Ive never heard of this company before and ive never done business with them and never opened up any accounts with them.

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 2024-09-13 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: PA

Complaint narrative:
My identity has been compromised and there have been accounts opened fraudulently in my name.

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 2024-09-13 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: GA

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8

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 2024-09-13 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: PA

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-13 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: AZ

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with Experian and XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-09-13 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: SC

Complaint narrative:
I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove unauthorized credit inquiries from my credit report. 

On XX/XX/scrub>XXXX I discovered several unauthorized credit inquiries on my TransUnion credit report. I promptly disputed these inquiries, as I did not authorize any of them. However, TransUnion advised me that I needed to contact the creditors responsible for these inquiries to obtain a letter from them acknowledging the unauthorized inquiry. This is in direct violation of the FCRA. 

As per the FCRA, credit reporting agencies are required to maintain accurate and complete consumer reports. TransUnion, as a consumer reporting agency, bears the responsibility of investigating my dispute and ensuring the accuracy of the information on my credit report. I am not responsible for obtaining any documentation from the creditors involved. 

By shifting the burden to me and refusing to remove the unauthorized inquiries, TransUnion has failed to uphold its legal obligations under the FCRA. I request that the CFPB investigate this matter and compel TransUnion to remove these unauthorized inquiries from 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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Identity Theft my personal information, and credit card information was stolen. Suspects used my credit card and ran up the balance to over {$700000.00}. This was due the the movement from my previous address to another address. In the process of thr move some time later, my credit union maile dth credit card to my previous address Well, after 6 months after I had already moved. Card was compromized and the address was changed to address of XXXX XXXX XXXX, XXXX, XXXX. The address reflected changed on my credit report. a address that I ave never lived at infact I never lived in XXXX in my life Filed Police report with the city of XXXX, Police Dept, report # XXXX for Identity Theft/ raud

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